Purchasing Insurance More Than Just Money

There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes can happen. Car insurance can make the difference between a minor inconvenience and a large trial. So how can you find out what insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. By not owning insurance, you run the risk of having to pay the total cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This type of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont