Purchasing Insurance Protection About More Than Money

There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a minor inconvenience and a large trial. So how do you know which type of insurance you need and how much you should buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for damages due to personal injury and property damage to others when you are responsible. If you are sued, it also pays your defense and court costs. Local laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the right amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other kinds of coverage, like emergency road service, can also be purchased. Auto Insurance Clermont