Your Insurance Policy Always Working For You

Each year, more cars and drivers are on the roads. This can lead to a higher possibility of a car accident. Car insurance can make the difference between a small setback and a major hassle. But why do you need insurance and just how much do you need? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you own. Car insurance is mandated by state law. Without insurance, you risk having to pay the full price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for expenses due to bodily injury and property damage to others that you have caused. If you are in legal trouble, liability insurance will pay for your legal fees. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Clermont