What is Car Insurance?

Every year, more automobiles and drivers travel the highways. This could lead to an increased likelihood of a car accident. The difference between a little bother and large obstacle can be the car insurance you own. How can you decide what insurance you require and where you should go to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. This insurance may also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. 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 includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont