What Auto Insurance Means to You

The amount of drivers on the road increases each year. With so many vehicles on the road, accidents will happen. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, this type of insurance can pay for your legal fees. Local laws usually require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This is required 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. It can also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other types of coverage, like emergency road service, can also be purchased. Auto Insurance Quotes Clermont