Different Auto Insurance Policies

There are more drivers hitting the road every year. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a minor inconvenience and a major trial. So how do you know what insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, it also pays your defense and court costs. State laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other policies, like car rental and emergency road service, are also available. Car Insurance Quotes Clermont

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