Insurance and How It Helps You

There are more cars on the road each year. With countless vehicles on the road, accidents will happen. The difference between a small bother and large pain can be car insurance. But why do you need insurance and just how much should you get? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. 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. It can also cover lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If this policy is purchased, the insured person will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, such as car rental, are also available. Car Insurance Quotes Clermont