The WideRanging Benefits of Your Insurance Policy

You will see more and more drivers on the road each year. As this number increases, the chances of a car collision will also increase. Automobile insurance can be the difference between a minor inconvenience and a major trial. But why is insurance necessary and just how much do you need? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, this type of insurance can pay for your legal fees. Local laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. 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. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont