Each year, more automobiles and drivers are on the highways. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can make the difference between a small setback and a large trial. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts can be purchased and are 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. Insurance Clermont
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