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Insurance and You

There are more cars and drivers on the road each year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car accident, the auto insurance you own can make a big difference in the experience you have. But why do you need insurance and just how much should you get? Coverage requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, liability insurance will pay for your legal fees. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are 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 responsible for the collision. It is sometimes called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont