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 accident, the auto insurance you own can make a large difference in what happens next. How can you decide what insurance you need and how you can purchase it? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for expenses due to personal injury and property damage to others for which you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, this type of insurance will pay for your court costs. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. If this type of coverage is purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of car insurance, including car rental, are also available. Insurance Clermont
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