How Does Auto Insurance Work?

There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. How can you determine what insurance you require and how to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, liability insurance will pay for your defense and court costs. Local laws typically require minimum amounts, but larger amounts can be purchased and are usually recommended. 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. Local law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from burglary, 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 insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. Auto Insurance Quotes Clermont