Insurance and What It Means To You

There are more cars hitting the road every year. With countless vehicles on the road, accidents can happen. The difference between a small bother and major pain can be the car insurance you have purchased. So how can you find out what type of car insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. State laws typically require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. It may also pay for lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Clermont