Insurance and You

We see more drivers on the road every year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you get? Insurance requirements will differ by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is sometimes referred to as no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. If you buy this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other kinds of car insurance, including car rental, can also be purchased. State Farm Clermont