The WideRanging Benefits of Your Insurance Coverage

There are more cars on the road every year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor setback and a major hassle. How can you decide what insurance you require and where you should go to buy it? Car insurance provides you with protection from paying for damage or injury you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, and certain other occurrences, such as robbery. Automobile insurance is required by state law. By not purchasing insurance, you run the risk of having to pay the total cost of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 may also pay for lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of car insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other types of car insurance, including emergency road service and car rental, are also available. State Farm Clermont