Car Insurance and You

Every year, more cars and drivers travel the highways. This can lead to a higher possibility of a car accident. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. But why is insurance necessary and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection 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 commonly called no-fault coverage. It may also pay for lost wages, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other types of coverage, like emergency road service and car rental, are also available. Auto Insurance Quotes Clermont