The number of cars and drivers on the road increases each and every year. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you determine what insurance you require and how you can purchase it? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont
^