Karen Knowler Blog

Purchasing Home Insurance About More Than Money

Each year, more automobiles and drivers hit the highways. As this number goes up, the chances of a car accident will also go up. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how can you find out what type of car insurance you need and how much to purchase? Car crashes can result in many different expenses, which your car insurance can pay for based on the insurance policy you own. Your state or province definitely requires some type of auto insurance. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, 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. The minimum amount of this insurance is usually set by local government. 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. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, like car rental, are also available. Auto Insurance Quotes Clermont