Comprehensive Insurance Policies

The number of cars and drivers on the road increases every year. As this number increases, the chances of a car wreck will also increase. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by 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 might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including car rental, are also available. State Farm Clermont