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Your Insurance Coverage Always Working For You

Each year, more automobiles and drivers are on the roads. As this number increases, the chances of a car collision will also increase. If you get in a car accident, the car insurance you have can make a big difference in the experience you have. But why is insurance required by law and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, 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 can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, including car rental, are also available. Auto Insurance Clermont

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