Insurance and What It Means To You

Each year, more cars travel our roads and freeways. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. 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. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for all types of medical or funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other policies, such as emergency road service, are also available. State Farm Agent Clermont