The WideRanging Benefits of Your Insurance Coverage

The amount of cars on the road increases every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor setback and a large trial. But why do you need insurance and exactly how much should you purchase? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. If this policy has been bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, such as emergency road service, can also be purchased. Insurance Clermont