The number of cars on the road increases every year. As this number goes up, the chances of a car accident will also increase. The difference between a small bother and major pain can be your car insurance. How can you decide what insurance you require and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. It pays for an insured person's necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, including car rental, are also available. Auto Insurance Clermont
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