Insurance and You

Each year, more cars and drivers hit the highways. With so many vehicles on the road, accidents will happen. The difference between a small aggravation and large pain can be automobile insurance. But why is insurance necessary and just how much should you get? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are sued, it also pays your legal fees. State laws usually mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont