Buying Insurance Coverage About More Than Money
Every year, more drivers travel our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you own can make a large difference in what happens next. How can you determine what insurance you require and how you can buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical expenses, 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 minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. This insurance can also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. It pays for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, including car rental, can also be purchased. Car Insurance Quotes Clermont