There are more cars and drivers on the road each year. This could lead to an increased likelihood of a collision for you and your family. The difference between a small bother and major pain can be your car insurance. How can you decide what insurance you need and how you can purchase it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other types of coverage, including car rental and emergency road service, are also available. Auto Insurance Quotes Clermont
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