Comprehensive Insurance Coverage

The number of cars and drivers on the road increases every year. With countless vehicles on the road, crashes will happen. The difference between a small aggravation and major pain can be your insurance. But why do you need insurance and exactly how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Clermont