Everything You Need to Know About Car Insurance

We see more cars on the road every year. This can lead to an increased likelihood of a car accident. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. So how can you find out what insurance you need and the quantity you should purchase? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. State laws usually require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Insurance Clermont