What Automobile Insurance Means to You

There are more drivers hitting the road every year. This can lead to a higher possibility of a collision for you and your family. Automobile insurance can make the difference between a small setback and a major trial. So how do you know what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for damages due to personal injury and damage to property where you are responsible. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also pay for lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other policies, like emergency road service, are also available. Insurance Clermont