Different Car Insurance Policies

Every year, more automobiles and drivers hit the highways. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. How can you decide what type of insurance you need and where you should go to buy it? Car accidents can result in many different expenses, which your car insurance might be able to pay for based on the type of coverage you have purchased. By not owning insurance, you run the risk of having to pay the full price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the crash. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. 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 car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other types of coverage, like car rental, are also available. Auto Insurance Quotes Clermont