Car Insurance Basics

Every year, more cars and drivers hit our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. But why do you need to own insurance and just how much should you purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for expenses due to personal injury and property damage to others where you are responsible. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws usually mandate minimum amounts, but higher amounts are available and usually recommended. 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. This insurance can also cover lost earnings, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont