The FarReaching Benefits of Your Insurance Policy

The number of drivers on the road increases each year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. No matter where you are living, you will need to buy some type of auto insurance. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Pays for expenses due to bodily injury and property damage to others where you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. If this policy is bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other policies, such as emergency road service, are also available. State Farm Agent Clermont