Comprehensive Insurance Policies

There are more cars hitting the road every year. With countless vehicles on the road, crashes are going to happen. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, like car rental, are also available. Auto Insurance Quotes Clermont