Comprehensive Insurance Policies

Each year, more drivers travel America's roads. With the increasing number of vehicles on the road, crashes are going to happen. Car insurance can make the difference between a small setback and a major hassle. So how do you know what insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. 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 collision. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the proper amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other policies, such as emergency road service, are also available. Auto Insurance Clermont