The FarReaching Benefits of Your Insurance Policy

You will see more cars on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. But why is insurance required by law and just how much should you buy? Auto insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, and certain other situations, such as robbery. No matter where you are living, you will need to purchase some variety of auto insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, this type of insurance will pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. 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. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other policies, including car rental and emergency road service, are also available. Insurance Clermont