Auto Insurance Basics

We see more drivers on the road every year. With countless vehicles on the road, accidents will happen. Car insurance can make the difference between a minor inconvenience and a large trial. But why is insurance required by law and just how much should you get? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for expenses due to bodily injury and property damage to others that you are responsible for. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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 can also cover lost earnings, replacement of services and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. If this policy is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, such as car rental, can also be purchased. Auto Insurance Quotes Clermont