Insurance and You

There are more cars and drivers hitting the road every year. This can lead to a higher possibility of a collision. The difference between a little bother and major obstacle can be automobile insurance. But why do you need insurance and just how much should you get? Auto insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, plus certain other incidents, such as theft. Car insurance is mandated by state law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance will pay for your defense and court costs. State laws usually mandate standard amounts, but higher 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. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Quotes Clermont