Everything You Need to Know About Car Insurance
There are more cars hitting the road each year. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a small setback and a large hassle. But why do you need insurance and just how much should you get? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for an accident. If this policy has been bought, the insured person will receive coverage for all types of medical and funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Other types of coverage, including car rental, can also be purchased. Auto Insurance Clermont