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Extensive Insurance Policies

The number of drivers on the road increases each year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why do you need insurance and just how much should you buy? Car crashes can lead to many different expenses, which your insurance might be able to pay for based on the type of insurance you own. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is commonly called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. If this type of coverage is bought, the insured person will receive payment for necessary medical or funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Auto Insurance Clermont

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