What Car Insurance Means to You

Every year, more cars and drivers travel our roads and freeways. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you have can make a big difference in what happens next. How can you determine what insurance you require and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, this type of insurance will pay for your legal fees. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. 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. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the right amount of car insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, like emergency road service, are also available. State Farm Agent Clermont