Types of Auto Insurance Coverage

There are more drivers hitting the road every year. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you buy? Car crashes can lead to many different expenses, which can all be paid for based on the type of coverage you own. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It can also cover your legal fees if you are sued. State laws usually require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required 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 may also cover lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. Car Insurance Quotes Clermont

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