Comprehensive Insurance Policies

You will see more drivers on the road each year. As this number increases, the chances of a car collision will also increase. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. So how do you know what insurance you need and how much to buy? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was at fault in the collision. It is occasionally referred to as no-fault coverage. It may also cover lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, including car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont