Why You Need Auto Insurance

There are more cars and drivers on the road every year. With the increasing number of vehicles on the road, accidents can happen. Car insurance can be the difference between a small setback and a large trial. But why do you need insurance and exactly how much should you purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Auto insurance is mandated by state law. Without insurance, you run the risk of having to pay the full price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your court costs. Local laws typically mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include fire damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of coverage, such as emergency road service and car rental, are also available. Car Insurance Quotes Clermont