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Insurance and You

The amount of drivers on the road increases each and every year. With so many vehicles on the road, accidents are going to happen. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, liability insurance can pay for your court costs. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont