Your Automobile Insurance Plan

There are more drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major pain can be automobile insurance. But why do you need insurance and exactly how much should you purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. It also covers your legal fees if you are sued. Local laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. 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. It can also pay for lost wages, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. Auto Insurance Clermont

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