There are more drivers hitting the road every year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the crash. It is sometimes called no-fault coverage. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, like emergency road service and car rental, are also available. Auto Insurance Quotes Clermont
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