There are more drivers hitting the road every year. With countless vehicles on the road, accidents will happen. Car insurance can be the difference between a minor inconvenience and a major trial. How can you determine what insurance you need and how to purchase it? Car accidents can result in many different expenses, which your car insurance can pay for based on the type of insurance you have purchased. By not owning insurance, you run the risk of having to pay the full price of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are in legal trouble, it also pays your legal fees. State laws typically mandate minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This is mandated 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. This insurance may also pay for lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. All necessary 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: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other policies, such as emergency road service, are also available. Car Insurance Quotes Clermont
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