Purchasing Insurance More Than Just Money

Every year, more cars hit the highways. This could lead to an increased likelihood of a car accident for you and your family. Car insurance can make the difference between a small inconvenience and a large trial. So how can you figure out what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. 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: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, like car rental and emergency road service, are also available. State Farm Agent Clermont