Comprehensive Insurance Policies
- 8 28, 2022
- |Auto Insurance
- No Comments
There are more cars on the road every year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you purchase? Car crashes can lead to many different expenses, which can all be paid for based on the type of insurance you own. No matter where you are living, you will need to purchase some type of car insurance. By not owning insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, 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. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also pay for lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, such as emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont