The WideRanging Benefits of Your Insurance Coverage

Each year, more cars travel America's roads. With the increasing number of vehicles on the road, crashes can happen. The difference between a small aggravation and major obstacle can be car insurance. But why do you need insurance and just how much should you purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes 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 liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage is bought, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other kinds of coverage, including emergency road service, can also be purchased. Car Insurance Quotes Clermont