Why You Need Auto Insurance
There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents are going to happen. The difference between a small bother and large pain can be your insurance. But why do you need to own insurance and just how much should you buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car 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 repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, such as emergency road service, are also available. Auto Insurance Clermont