Insurance and How It Helps You

We see more and more cars on the road every year. As this number goes up, the chances of a car wreck will also go up. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. How can you decide what type of insurance you require and how to buy it? 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 this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your defense and court costs. State laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the accident. It is commonly referred to as no-fault coverage. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Clermont