Insurance and You
The amount of cars on the road increases each year. This could lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a minor setback and a major hassle. So how can you figure out what insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was at fault in the crash. It is commonly referred to as no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood 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: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont