The FarReaching Benefits of Your Insurance Coverage

Each year, more cars hit the highways. This can lead to a higher possibility of a collision for you and your family. The difference between a small aggravation and large obstacle can be your car insurance. But why do you need insurance and exactly how much should you purchase? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This 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. State government usually sets minimum amounts. 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. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other policies, including car rental, are also available. Auto Insurance Quotes Clermont