Your Insurance Coverage Always Working For You

The number of cars on the road increases each and every year. This can lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and major pain can be the car insurance you have purchased. So how do you know which type of insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. By not purchasing insurance, you risk having to pay the total cost of any harm you cause others. Liability: Liability pays for damages due to personal injury and damage to property when you are responsible. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This 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. This insurance may also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. It pays for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Auto Insurance Clermont