Purchasing Insurance Protection It's Not About The Money
There are more drivers on the road each year. This can lead to a higher possibility of a collision for you and your family. Car insurance can be the difference between a minor inconvenience and a large trial. So how can you figure out what insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. 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: Many drivers 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. Other policies, such as car rental and emergency road service, are also available. Auto Insurance Quotes Clermont