Your Insurance Policy Always Working For You

You will see more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Auto insurance protects you by paying for damage or injury you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, plus specific other occurrences, such as theft. No matter where you are living, you are required to buy some variety of car insurance. By not owning insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral costs. State government usually sets minimum amounts. 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 type of coverage is bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont