Comprehensive Insurance Policies

We see more and more cars on the road every year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can make the difference between a minor inconvenience and a large hassle. So how do you know what type of car insurance you need and the quantity you should buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you live, you are required to buy some variety of auto insurance. By not purchasing insurance, you run the risk of having to pay the full price of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are in legal trouble, liability insurance can pay for your defense and court costs. State laws typically require standard amounts, but larger amounts can be purchased and are extremely helpful. 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. If this type of coverage has been purchased, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This 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: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. State Farm Agent Clermont