There are more cars on the road every year. This could lead to an increased likelihood of a car accident. The difference between a small bother and large pain can be the car insurance you have purchased. How can you decide what insurance you need and how to buy it? Car accidents can lead to many different expenses, which your car insurance can pay for based on the type of insurance you have purchased. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, liability insurance can pay for your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Quotes Clermont
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