Directory Lifestyle

Your Insurance Policy Always Working For You

Each year, more cars and drivers are on the highways. With countless vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why is insurance necessary and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. 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. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Insurance Clermont