The FarReaching Benefits of Your Insurance Coverage

The amount of drivers on the road increases each year. With the increasing number of vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. But why do you need to own insurance and just how much should you purchase? Car insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus specific other occurrences, such as robbery. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This 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 states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont