There are more drivers hitting the road each year. With so many vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what type of insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This 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 may also cover lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available 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 or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont
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