The WideRanging Benefits of Your Insurance Policy

You will see more cars on the road each year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can be the difference between a minor inconvenience and a large trial. How can you determine what insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. It may also cover lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for an accident. If you buy this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other kinds of coverage, including emergency road service, can also be purchased. Car Insurance Quotes Clermont