How Does Auto Insurance Work?

There are more cars hitting the road each year. As this number goes up, the chances of a car wreck will also go up. If you get in a car accident, the car insurance you own can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your defense and court costs. State laws usually require minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is occasionally referred to as no-fault coverage. State government usually 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. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other policies, such as emergency road service, are also available. Auto Insurance Quotes Clermont