Get Great Referrals

Purchasing Insurance It's Not About The Money

There are more cars hitting the road every year. This could lead to an increased likelihood of a car accident. The difference between a little aggravation and large pain can be the car insurance you have purchased. So how can you find out what insurance you need and the quantity you should buy? Insurance requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of car insurance, including car rental, are also available. State Farm Agent Clermont