Car Insurance Basics

There are more drivers on the road each year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car wreck, the car 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 get? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your legal fees if you are sued. State laws typically require minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is sometimes referred to as no-fault coverage. This insurance may also cover 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 and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other kinds of coverage, such as emergency road service and car rental, are also available. Car Insurance Quotes Clermont