What is Car Insurance?

You will see more cars on the road every year. With countless vehicles on the road, accidents will happen. The difference between a little bother and major pain can be your insurance. So how can you find out what insurance you need and how much to purchase? Auto insurance protects you by paying for damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus certain other situations, such as burglary. By not purchasing insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: Liability pays for damages due to personal injury and damage to property that you have caused. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is occasionally called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other policies, including car rental and emergency road service, are also available. Auto Insurance Clermont