Insurance and You

Every year, more drivers travel America's roads. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor setback and a major trial. But why do you need insurance and just how much should you purchase? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. 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. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased 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 type of policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance protection. Other types of car insurance, like emergency road service, are also available. Auto Insurance Clermont