Why You Need Automobile Insurance

We see more drivers on the road each year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a small inconvenience and a large trial. How can you determine what insurance you require and where you should go to buy it? 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. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the accident. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Quotes Clermont

Comments Off