Insurance and You

Every year, more automobiles and drivers travel the highways. This can lead to a higher possibility of a collision. The difference between a small bother and major obstacle can be the car insurance you own. But why is insurance necessary and just how much do you need? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Local laws typically mandate minimum 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. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, like emergency road service and car rental, can also be purchased. State Farm Agent Clermont