How Does Auto Insurance Work?

There are more drivers hitting the road each year. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages can include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased. Auto Insurance Clermont