Insurance and How It Helps You

The number of cars and drivers on the road increases each year. This can lead to an increased likelihood of a car accident for you and your family. Car insurance can be the difference between a small setback and a major hassle. But why do you need to own insurance and just how much should you buy? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. If this policy is bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance protection. Other kinds of coverage, like emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont