Directory Lifestyle

Auto Insurance Basics

There are more cars on the road every year. With so many vehicles on the road, crashes are going to happen. The difference between a small aggravation and large obstacle can be your car insurance. So how can you figure out what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Without insurance, you run the risk of having to pay the total cost of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is sometimes called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. If this policy has been purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Quotes Clermont