Types of Car Insurance Coverage

You will see more and more drivers on the road each year. This can lead to an increased likelihood of a collision. The difference between a small aggravation and major obstacle can be car insurance. How can you decide what insurance you require and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance can pay for your legal fees. State laws typically require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance protection. Other types of coverage, including car rental, are also available. Auto Insurance Clermont

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