Insurance and You

Each year, more automobiles and drivers travel the highways. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the car insurance you own can make a large difference in what happens next. How can you determine what insurance you require and how you can purchase it? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you own. No matter where you live, you are required to buy some type of car insurance. Without insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is sometimes referred to as no-fault coverage. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other kinds of coverage, including emergency road service and car rental, can also be purchased. State Farm Clermont