Insurance and How It Helps You

The number of drivers on the road increases each and every year. This could lead to an increased likelihood of a collision for you and your family. The difference between a little bother and major pain can be the car insurance you own. But why do you need insurance and exactly how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for damages due to personal injury and damage to property where you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. This insurance may also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. 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 weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Auto Insurance Clermont