The FarReaching Benefits of Your Insurance Coverage

There are more drivers hitting the road every year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the car insurance you have can make a big difference in what happens next. But why do you need to own insurance and just how much should you buy? Required coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. Local laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the accident. It is sometimes referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of car insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other kinds of coverage, such as emergency road service, can also be purchased. Auto Insurance Quotes Clermont