Car Insurance Basics

Each year, more cars hit America's roads. This can lead to a higher possibility of a car accident for you and your family. Car insurance can be the difference between a minor inconvenience and a major trial. How can you determine what insurance you need and how you can buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not purchasing insurance, you risk having to pay the full price of the harm or injury you cause others. Liability: This kind of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available. Car Insurance Clermont