Everything You Need to Know About Car Insurance

We see more and more cars on the road each year. As this number goes up, the chances of a car wreck will also go up. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much should you get? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like car rental, are also available. Car Insurance Quotes Clermont