The amount of cars and drivers on the road increases every year. With countless vehicles on the road, accidents will happen. Automobile insurance can make the difference between a small inconvenience and a large hassle. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. Local laws usually mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental, can also be purchased. Auto Insurance Clermont
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