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Types of Auto Insurance Coverage

Every year, more cars and drivers are on the roads. As this number increases, the chances of a car wreck will also go up. If you get in a car wreck, the car insurance you have can make a big difference in the experience you have. So how can you find out what type of car insurance you need and how much to purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, including car rental and emergency road service, are also available. Auto Insurance Clermont

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