Comprehensive Insurance Policies

There are more drivers on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. But why is insurance required by law and just how much should you get? Auto insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to others, yourself, or your passengers, and specific other incidents, such as burglary. Every state or province mandates auto insurance by law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. State laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required 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 usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, like emergency road service and car rental, can also be purchased. Insurance Clermont