Different Car Insurance Policies

There are more cars and drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and major obstacle can be car insurance. But why do you need to own insurance and just how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Automobile insurance is mandated by state law. Making the decision 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 type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is occasionally referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, including emergency road service, can also be purchased. Auto Insurance Quotes Clermont