Insurance and What It Means To You

We see more and more drivers on the road each year. This can lead to a higher possibility of a car accident. The difference between a small aggravation and large pain can be your car insurance. But why do you need insurance and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is occasionally called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other types of coverage, such as car rental, are also available. Auto Insurance Clermont