Everything You Need to Know About Automobile Insurance

We see more drivers on the road every year. This can lead to a higher possibility of a car accident. Automobile insurance can make the difference between a minor inconvenience and a major hassle. So how can you find out what type of car insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, this type of insurance can pay for your legal fees. Local laws typically mandate standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the collision. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, including emergency road service, are also available. State Farm Clermont