Extensive Insurance Coverage

Each year, more cars hit America's roads. This can lead to an increased likelihood of a car accident for you and your family. The difference between a little bother and large pain can be the car insurance you own. How can you decide what insurance you need and how you can purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are in legal trouble, it also pays your legal fees. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is sometimes called no-fault coverage. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing 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: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including emergency road service, are also available. State Farm Agent Clermont