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Automobile Insurance and You

Each year, more drivers hit America's roads. This can lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a small setback and a major trial. How can you determine what insurance you need and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the total cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for expenses due to personal injury and damage to property that you are responsible for. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of car insurance, such as emergency road service, are also available. State Farm Agent Clermont