Why You Need Automobile Insurance

There are more drivers on the road every year. With so many vehicles on the road, crashes can happen. Automobile insurance can be the difference between a minor setback and a major hassle. But why do you need insurance and just how much should you buy? Car crashes can lead to a variety of different expenses, which can all be paid for based on the type of insurance you own. Every state and province requires automobile insurance by law. Without insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: It pays for expenses due to bodily injury and property damage to others for which you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. 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 can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Auto Insurance Clermont