Your Insurance Policy Always Working For You

There are more drivers hitting the road every year. As this number goes up, the chances of a car accident will also increase. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Auto insurance provides you with protection from covering the cost of damage or injury you cause others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, and certain other situations, such as theft. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal 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 can refer to car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. 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. If this policy has been bought, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, like emergency road service and car rental, are also available. Auto Insurance Clermont