Insurance and What It Means To You

Every year, more drivers travel the highways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor inconvenience and a large trial. How can you decide what insurance you require and how you can purchase it? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to personal injury and damage to property that you have caused. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If you purchase this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the right amount of insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other policies, including car rental, are also available. Auto Insurance Clermont