Each year, more cars travel America's roads. With the increasing number of vehicles on the road, accidents can happen. The difference between a small bother and major obstacle can be car insurance. So how can you figure out what insurance you need and how much to buy? Auto insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or passengers in your car, plus specific other incidents, such as robbery. Without insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: It pays for expenses due to bodily injury and property damage to others that you have caused. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was responsible for the collision. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other policies, including car rental, are also available. Auto Insurance Clermont
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