Auto Insurance Basics

We see more drivers on the road every year. As this number goes up, the chances of a car collision will also increase. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and where you should go to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for expenses due to bodily injury and damage to property when you are responsible. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If this type of coverage is bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont