Why You Need Car Insurance

The amount of cars on the road increases each and every year. With the increasing number of vehicles on the road, crashes are going to happen. Automobile insurance can make the difference between a minor setback and a major trial. So how do you know what insurance you need and how much you should buy? Auto insurance protects you by covering the cost of injury or damage you cause others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, plus certain other occurrences, such as robbery. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is sometimes referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for necessary medical or funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Clermont