What Automobile Insurance Means to You

You will see more drivers on the road each year. This can lead to an increased likelihood of a collision. The difference between a little aggravation and major pain can be your insurance. But why is insurance necessary and just how much should you get? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, and specific other situations, such as robbery. By not owning insurance, you run the risk of having to pay the full price of any harm you cause others. Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. Bodily injury damages can include medical expenses, 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 will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, 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 cover you if you are in a collision with one of these drivers. 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 types of coverage, including car rental and emergency road service, are also available. Insurance Clermont