Why You Need Auto Insurance

There are more cars on the road each year. As this number increases, the chances of a car collision will also increase. Car insurance can make the difference between a minor setback and a large trial. So how can you find out what type of car insurance you need and how much to buy? Auto insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus specific other incidents, such as burglary. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Liability pays for expenses due to personal injury and property damage to others for which you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Local laws usually require minimum amounts, but larger amounts can be purchased and are very beneficial. 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other kinds of car insurance, such as car rental, are also available. Insurance Clermont