Car Insurance and You

We see more and more drivers on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car crash, the car insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much should you get? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. By not purchasing insurance, you run the risk of 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 when you are responsible. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was responsible for the crash. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of coverage, such as car rental, are also available. Auto Insurance Clermont