The amount of cars on the road increases each and every year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you purchase? Car accidents can lead to many different expenses, which can all be paid for based on the insurance policy you own. Your state or province certainly requires some type of auto insurance. Without insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is commonly referred to as no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, like car rental, can also be purchased. Insurance Clermont
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