Insurance and What It Means To You

You will see more and more cars on the road every year. With countless vehicles on the road, accidents will happen. The difference between a small aggravation and major pain can be automobile insurance. But why do you need insurance and just how much do you need? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. It can also pay for lost wages, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of auto insurance. This type of coverage will cover you if you are in an accident 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. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Clermont