Purchasing Insurance About More Than Money

You will see more and more cars on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Local laws typically require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. This insurance may also cover lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance protection. Other policies, including car rental and emergency road service, are also available. State Farm Agent Clermont