What is Automobile Insurance?

Each year, more cars hit our roads and freeways. With the increasing number of vehicles on the road, crashes can happen. The difference between a small aggravation and large obstacle can be car insurance. But why do you need to own insurance and just how much should you purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, including emergency road service and car rental, are also available. Auto Insurance Clermont

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