What Auto Insurance Means to You

The amount of cars and drivers on the road increases each year. With so many vehicles on the road, accidents will happen. Automobile insurance can make the difference between a minor inconvenience and a large hassle. How can you decide what insurance you require and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other types of car insurance, such as emergency road service, are also available. Car Insurance Quotes Clermont