Different Car Insurance Policies

There are more drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a small setback and a large hassle. So how do you know what insurance you need and the quantity you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for expenses due to personal injury and property damage to others that you have caused. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. If you buy this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Clermont