Different Auto Insurance Policies

There are more cars and drivers hitting the road each year. With countless vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Required coverage varies based on the state/province but typically includes 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. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. If this type of coverage is purchased, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other types of coverage, including emergency road service, are also available. State Farm Agent Clermont