Comprehensive Insurance Policies
- 3 12, 2023
- |Auto Insurance
- No Comments
The amount of cars on the road increases each and every year. With countless vehicles on the road, accidents are going to happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Without insurance, you run the risk of having to pay the full price of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. It can also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like car rental, are also available. Auto Insurance Quotes Clermont