Auto Insurance and You

There are more cars on the road each year. With the increasing number of vehicles on the road, accidents are going to happen. Automobile insurance can make the difference between a minor inconvenience and a major trial. So how do you know which type of insurance you need and how much you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for expenses due to bodily injury and property damage to others when you are responsible. If you are in legal trouble, it also pays your legal fees. State laws typically require standard amounts of liability insurance, but higher amounts are available and usually recommended. 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other kinds of coverage, including emergency road service, can also be purchased. Car Insurance Quotes Clermont