Comprehensive Insurance Coverage

There are more cars and drivers hitting the road each year. This could lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a small setback and a large trial. But why do you need insurance and just how much do you need? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, and certain other situations, such as robbery. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the crash. It is commonly called no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont