The FarReaching Benefits of Your Insurance Coverage

There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a large hassle. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may have been at fault. If this policy has been bought, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont