Types of Auto Insurance Coverage
There are more drivers hitting the road each year. This could lead to an increased likelihood of a car accident for you and your family. Car insurance can be the difference between a minor setback and a large hassle. But why do you need to own insurance and exactly how much should you buy? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the type of coverage you own. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, liability insurance can pay for your court costs. State laws usually require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was responsible for the collision. It is commonly referred to as no-fault coverage. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Other types of coverage, like car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. State Farm Agent Clermont