Buying Insurance Coverage It's Not About The Money

Each year, more cars hit the highways. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and major pain can be the car insurance you have purchased. How can you determine what insurance you require and how you can purchase it? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you have purchased. Your state or province certainly requires some type of auto insurance. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This is mandated 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. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other policies, such as car rental and emergency road service, are also available. State Farm Clermont