Every year, more drivers hit the highways. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a small inconvenience and a large trial. But why do you need insurance and exactly how much should you purchase? Auto insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, and specific other incidents, such as theft. Your state or province definitely requires some type of auto insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for expenses due to personal injury and damage to property for which you are responsible. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, liability insurance will pay for your legal fees. Local laws usually mandate minimum amounts, but larger amounts are available and usually recommended. 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this policy has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Other policies, like car rental and emergency road service, are also available. Insurance Clermont
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