Your Insurance Coverage Always Working For You
There are more drivers hitting the road every year. This could lead to an increased likelihood of a collision. Automobile insurance can be the difference between a small setback and a major trial. So how can you find out what insurance you need and the quantity you should buy? Required coverage varies based on the state/province but typically includes the following: Liability: Pays for expenses due to personal injury and damage to property for which you are responsible. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, like car rental, are also available. Auto Insurance Clermont