Insurance and You

The number of drivers on the road increases each and every year. With the increasing number of vehicles on the road, crashes will happen. Car insurance can be the difference between a small inconvenience and a large trial. How can you decide what insurance you need and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the full price of the harm you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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. It can also cover lost wages, replacement of services and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. It pays for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of car insurance, including emergency road service, are also available. Car Insurance Quotes Clermont