There are more cars hitting the road every year. This could lead to a higher possibility of a car accident for you and your family. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. How can you decide what insurance you need and how you can buy it? Auto insurance protects you by covering the cost of damage or injury you cause others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, and specific other occurrences, such as burglary. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are sued, this type of insurance can pay for your legal fees. State laws usually require standard amounts, but larger amounts can be purchased and are usually recommended. 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. It may also pay for lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. If this policy is bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Clermont
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