Your Insurance Coverage Always Working For You

You will see more cars on the road each year. This can lead to a higher possibility of a car accident. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much should you get? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you own. Auto insurance is mandated by law in all states and provinces. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. It also covers your legal fees if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is commonly called no-fault coverage. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. If this type of coverage is bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont