Purchasing Insurance More Than Just Money

Every year, more cars and drivers travel the highways. With countless vehicles on the road, crashes can happen. The difference between a small bother and large pain can be your insurance. How can you determine what insurance you require and where you should go to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for expenses due to personal injury and property damage to others that you are responsible for. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. This insurance will pay for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like emergency road service, can also be purchased. State Farm Agent Clermont