Purchasing Insurance Protection More Than Just Money
There are more cars and drivers hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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 may also cover lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Quotes Clermont