Auto Insurance Basics

There are more drivers hitting the road every year. This can lead to an increased likelihood of a collision. Automobile insurance can be the difference between a minor inconvenience and a large trial. But why do you need insurance and just how much do you need? Car crashes can result in many different expenses, which your car insurance can pay for based on the type of insurance you own. Without insurance, you run the risk of having to pay the full cost of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for damages due to personal injury and property damage to others where you are responsible. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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 pay for lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. 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 paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, like emergency road service, can also be purchased. Insurance Clermont