Your Insurance Coverage Always Working For You

There are more cars on the road each year. As this number increases, the chances of a car accident will also go up. Automobile insurance can make the difference between a small setback and a large hassle. So how can you figure out what insurance you need and how much you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Car insurance is mandated by state law. By not purchasing insurance, you risk having to pay the full cost of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your legal fees if you are sued. State laws typically require standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Other policies, including car rental and emergency road service, are also available. State Farm Agent Clermont