What is Car Insurance?

Every year, more cars and drivers are on the highways. As this number goes up, the chances of a car accident will also increase. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. No matter where you are living, you will need to purchase some type of car insurance. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. Local laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is required in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability coverage. 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. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. Insurance Clermont