Your Auto Insurance Plan

We see more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you own can make a large difference in the experience you have. How can you decide what type of insurance you require and where you should go to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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 pay for lost earnings, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other policies, like car rental, are also available. Auto Insurance Clermont