What is Auto Insurance?

We see more and more drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major trial. But why is insurance necessary and just how much should you get? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Every state and province mandates car insurance by law. Without insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. 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 varieties. Personal Injury Protection: This is mandated 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 typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other policies, such as car rental and emergency road service, are also available. Car Insurance Quotes Clermont