Comprehensive Insurance Coverage

We see more cars on the road every year. With the increasing number of vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. So how do you know what type of car insurance you need and the quantity you should buy? Car accidents can lead to many different expenses, which your insurance might be able to pay for based on the insurance policy you own. Your state or province certainly mandates some type of car insurance. Without insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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 personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Clermont