Everything You Need to Know About Auto Insurance

You will see more and more drivers on the road each year. As this number goes up, the chances of a car collision will also go up. Automobile insurance can make the difference between a minor setback and a major trial. How can you determine what insurance you need and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. No matter where you live, you will need to purchase some type of auto insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This is required 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. This insurance may also pay for lost wages, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. State Farm Clermont