Karen Knowler Blog

Purchasing Insurance Protection About More Than Money

We see more drivers on the road every year. This can lead to a higher possibility of a collision. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, liability insurance will pay for your court costs. State laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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 cover lost earnings, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, like emergency road service, are also available. Auto Insurance Quotes Clermont