Types of Auto Insurance Coverage

We see more and more drivers on the road every year. This can lead to a higher possibility of a collision. Car insurance can be the difference between a minor inconvenience and a large hassle. But why do you need insurance and just how much do you need? Required coverage varies based on the 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. If you are sued, liability insurance will pay for your defense and court costs. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection covers all non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, including emergency road service and car rental, are also available. Auto Insurance Quotes Clermont