Why You Need Automobile Insurance

We see more cars on the road each year. With so many vehicles on the road, crashes will happen. The difference between a small bother and large pain can be your car insurance. How can you determine what insurance you require and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This is mandated 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. It can also pay for lost wages, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, including car rental, are also available. Auto Insurance Clermont

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