Insurance and What It Means To You

Every year, more automobiles and drivers hit the roads. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what type of insurance you need and where you should go to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. It may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection 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. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other policies, like car rental and emergency road service, are also available. Auto Insurance Quotes Clermont