Buying Insurance More Than Just Money

Each year, more automobiles and drivers travel the roads. As this number goes up, the chances of a car wreck will also increase. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you decide what type of insurance you need and where you should go to buy it? Car insurance protects you by covering the cost of injury or damage you cause others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, and specific other situations, such as robbery. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Pays for damages due to bodily injury and property damage to others that you have caused. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This 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. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection 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. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the right amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other kinds of coverage, like car rental, can also be purchased. State Farm Agent Clermont