Insurance and You

There are more cars on the road every year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the car insurance you own can make a big difference in what happens next. How can you determine what insurance you require and how you can buy it? Required coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to bodily injury and property damage to others for which you are responsible. If you are sued, it also pays your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other policies, like car rental and emergency road service, are also available. Car Insurance Quotes Clermont