Car Insurance and You

Each year, more drivers travel America's roads. With the increasing number of vehicles on the road, accidents are going to happen. Automobile insurance can be the difference between a minor setback and a major trial. How can you determine what insurance you need and how to purchase it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. No matter where you are living, you are required to purchase some variety of auto insurance. Without insurance, you run the risk of having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance will pay for your legal fees. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available. Auto Insurance Quotes Clermont