Different Car Insurance Policies

There are more cars and drivers on the road every year. This could lead to an increased likelihood of a collision. The difference between a little aggravation and major pain can be automobile insurance. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are sued, it also pays your defense and court costs. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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 earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance coverage. Other kinds of coverage, including emergency road service, can also be purchased. State Farm Clermont