Auto Insurance Basics

There are more drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Car accidents can lead to many different expenses, which can all be paid for based on the type of insurance you own. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Liability pays for damages due to personal injury and property damage to others that you are responsible for. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, it also pays your legal fees. State laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers all non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Quotes Clermont