Automobile Insurance and You

Each year, more automobiles and drivers travel America's roads. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major pain can be automobile insurance. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other policies, including car rental, are also available. Car Insurance Quotes Clermont