Everything You Need to Know About Car Insurance

There are more drivers on the road each year. This can lead to a higher possibility of a car accident. Automobile insurance can make the difference between a minor setback and a large trial. But why is insurance necessary and just how much should you get? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for expenses due to bodily injury and property damage to others that you are responsible for. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your court costs. Local laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. It may also cover lost earnings, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, including car rental, are also available. Auto Insurance Clermont