Types of Auto Insurance Coverage

You will see more drivers on the road each year. This could lead to an increased likelihood of a collision. Car insurance can be the difference between a minor inconvenience and a major hassle. How can you decide what insurance you require and how to buy it? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is required in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of car insurance, like emergency road service, are also available. Insurance Clermont