What is Car Insurance?

Every year, more cars hit the highways. With the increasing number of vehicles on the road, crashes are going to happen. Automobile insurance can be the difference between a minor setback and a large hassle. But why do you need insurance and just how much should you buy? Car insurance provides you with protection from covering the cost of damage or injury you cause others while you are driving, damage to your vehicle or injury to you or your passengers from an accidents, plus certain other incidents, such as theft. By not purchasing insurance, you run the risk of having to pay the full price of the harm or injury you cause others. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. 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. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers any non-collision damages. This may include fire and wind damage, vandalism, and theft. 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 make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Other policies, including car rental and emergency road service, are also available. Car Insurance Quotes Clermont

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