Why You Need Auto Insurance

Each year, more cars and drivers hit the highways. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor inconvenience and a large trial. How can you determine what insurance you need and how to buy it? Auto insurance provides you with protection from covering the cost of injury or damage you cause others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, and certain other situations, such as burglary. Your state or province certainly requires some type of auto insurance. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the crash. It is mandated in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. If this type of coverage has been purchased, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other kinds of coverage, including car rental, are also available. Car Insurance Quotes Clermont