Your Insurance Policy Always Working For You

Every year, more cars hit our roads and freeways. With countless vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is 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 kinds of car insurance, including emergency road service, can also be purchased. Car Insurance Quotes Clermont