The FarReaching Benefits of Your Insurance Coverage

We see more and more cars on the road each year. With countless vehicles on the road, crashes can happen. The difference between a little bother and major pain can be your insurance. How can you determine what type of insurance you require and how to buy it? 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 this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. If this type of coverage is bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other policies, like emergency road service, are also available. Auto Insurance Clermont