Insurance and How It Helps You

We see more and more drivers on the road every year. This can lead to a higher possibility of a car accident. Automobile insurance can make the difference between a minor setback and a large hassle. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for damages due to bodily injury and property damage to others that you have caused. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, liability insurance can pay for your defense and court costs. Local laws usually require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of coverage, like car rental, can also be purchased. Auto Insurance Clermont