Purchasing Insurance About More Than Money

Each year, more cars and drivers are on the highways. This could lead to a higher possibility of a car accident. The difference between a small aggravation and large pain can be car insurance. So how do you know what insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and damage to property for which you are responsible. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. It may also cover lost wages, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like emergency road service, can also be purchased. State Farm Agent Clermont