Types of Auto Insurance Coverage
There are more drivers on the road every year. This can lead to a higher possibility of a collision for you and your family. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for expenses due to bodily injury and damage to property when you are responsible. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. 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. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, like car rental, are also available. Auto Insurance Clermont