Comprehensive Insurance Policies

We see more and more cars on the road every year. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and large pain can be the car insurance you own. How can you determine what insurance you require and how to buy it? Auto insurance protects you by covering the cost of damage caused to your car or another person's car and injury to other people, yourself, or your passengers, plus certain other incidents, such as robbery. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This 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. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other kinds of car insurance, such as car rental, can also be purchased. State Farm Agent Clermont