Insurance and You

You will see more cars on the road every year. This can lead to a higher possibility of a car accident. If you get in a car crash, the auto insurance you have can make a large difference in the experience you have. How can you determine what insurance you need and how to buy it? Car accidents can lead to a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you own. No matter where you live, you are required to purchase some type of auto insurance. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. It can also pay for lost wages, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Quotes Clermont