Why You Need Automobile Insurance

Each year, more drivers travel America's roads. With the increasing number of vehicles on the road, crashes will happen. The difference between a little aggravation and large obstacle can be your car insurance. So how do you know what insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the collision. It is sometimes referred to as no-fault coverage. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If this type of coverage has been bought, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage 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. Other types of coverage, such as car rental, are also available. Auto Insurance Clermont