Purchasing Insurance It's Not About The Money

We see more and more drivers on the road each year. As this number goes up, the chances of a car wreck will also increase. The difference between a little bother and large pain can be your car insurance. But why is insurance necessary and just how much should you buy? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, and certain other incidents, such as robbery. No matter where you live, you are required to buy some variety of car insurance. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, such as emergency road service, are also available. Insurance Clermont