What is Automobile Insurance?

There are more cars and drivers hitting the road each year. As this number increases, the chances of a car accident will also go up. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you decide what insurance you require and how to buy it? Coverage 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 liability insurance. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. This insurance may also cover lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Clermont