Insurance and You
We see more and more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. How can you decide what type of insurance you need and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. If you are sued, liability insurance can pay for your defense and court costs. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If this type of coverage has been purchased, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. Auto Insurance Clermont