Your Insurance Policy Always Working For You

You will see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major obstacle can be automobile insurance. But why do you need insurance and just how much do you need? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. It may also cover lost wages, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont