How Does Automobile Insurance Work?

Each year, more cars and drivers hit America's roads. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you have can make a big difference in what happens next. How can you decide what insurance you require and how to purchase it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. If this type of coverage is bought, the insured person will receive coverage for all types of medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, including car rental, can also be purchased. Insurance Clermont