Insurance and How It Helps You

The amount of cars and drivers on the road increases every year. With the increasing number of vehicles on the road, crashes are going to happen. The difference between a small bother and large obstacle can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Required coverage varies by state/province but typically includes the following: Liability: It pays for damages due to personal injury and property damage to others that you have caused. It can also cover your defense and court costs if you are sued. State laws typically require minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for an accident. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, including emergency road service and car rental, are also available. State Farm Clermont