Insurance and You

The amount of cars and drivers on the road increases every year. With so many vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you require and how to purchase it? Car insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, and specific other incidents, such as robbery. Every state or province mandates auto insurance by law. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, 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. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other kinds of coverage, such as emergency road service and car rental, are also available. State Farm Agent Clermont