Insurance and You

There are more cars on the road every year. With countless vehicles on the road, crashes will happen. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other kinds of car insurance, including car rental, can also be purchased. State Farm Agent Clermont