Extensive Insurance Coverage

You will see more and more drivers on the road each year. This can lead to an increased likelihood of a car accident. Car insurance can be the difference between a small inconvenience and a large hassle. So how do you know what type of car insurance you need and the quantity you should purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. Insurance Clermont