Everything You Need to Know About Automobile Insurance

Every year, more cars and drivers hit our roads and freeways. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically 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 be responsible. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, like emergency road service and car rental, can also be purchased. Car Insurance Quotes Clermont