Insurance and You

There are more cars and drivers on the road each year. This can lead to a higher possibility of a car accident. The difference between a little aggravation and major obstacle can be the car insurance you have purchased. So how can you find out what type of car insurance you need and the quantity you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are sued, it also pays your court costs. State laws usually require minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is sometimes called no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Other types of coverage, including car rental, are also available. Auto Insurance Clermont