Insurance and What It Means To You

We see more and more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major pain can be the car insurance you own. How can you determine what insurance you need and where you should go to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Liability pays for damages due to personal injury and damage to property where you are responsible. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. If this type of coverage has been bought, the insured person will receive coverage for all types of medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, such as emergency road service, are also available. Insurance Clermont