Every year, more cars and drivers travel America's roads. As this number increases, the chances of a car accident will also increase. Automobile insurance can make the difference between a minor inconvenience and a major hassle. But why do you need to own insurance and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is usually set by the state. 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. If this policy has been purchased, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other kinds of coverage, such as car rental, are also available. Auto Insurance Quotes Clermont
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