Insurance and How It Helps You

We see more cars on the road every year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can make the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you get? Insurance requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may be responsible. If this type of coverage has been bought, the insured person will receive payment for all types of medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like emergency road service, are also available. State Farm Agent Clermont