Automobile Insurance and You

Each year, more drivers travel our roads and freeways. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and just how much should you purchase? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. It can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. Insurance Clermont