Comprehensive Insurance Coverage

Each year, more cars hit our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a minor inconvenience and a large trial. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Pays for damages due to bodily injury and damage to property for which you are responsible. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. It can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, 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 insurance. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other kinds of coverage, including emergency road service, are also available. Insurance Clermont