The number of cars on the road increases every year. With so many vehicles on the road, crashes are going to happen. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. So how do you know what insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. 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. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Other kinds of coverage, like emergency road service, can also be purchased. Car Insurance Quotes Clermont
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