Your Insurance Policy Always Working For You

There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes can happen. The difference between a small bother and large pain can be the car insurance you have purchased. But why do you need insurance and just how much do you need? Car crashes can result in many different expenses, which your insurance can pay for based on the type of coverage you have purchased. Deciding to drive without 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 type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Local laws usually require minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the accident. It is occasionally called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, like emergency road service, can also be purchased. Car Insurance Quotes Clermont