Insurance and How It Helps You
There are more cars and drivers on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you need and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. It also covers your legal fees if you are sued. Local laws typically require standard amounts of liability insurance, but larger amounts are available and very beneficial. 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, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, including emergency road service and car rental, are also available. Auto Insurance Clermont