Why You Need Car Insurance

Every year, more drivers travel America's roads. This could lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a small inconvenience and a large trial. How can you determine what insurance you need and how you can buy it? Required coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to bodily injury and property damage to others that you have caused. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, such as car rental, are also available. Insurance Clermont