Every year, more automobiles and drivers hit America's roads. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a minor setback and a large trial. So how do you know which type of insurance you need and how much to buy? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, plus specific other occurrences, such as robbery. Without insurance, you run the risk of having to pay the total price of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Other policies, like car rental and emergency road service, are also available. Insurance Clermont
