Extensive Insurance Coverage

Every year, more cars travel the highways. As this number increases, the chances of a car wreck will also increase. The difference between a small aggravation and major obstacle can be your insurance. But why do you need insurance and just how much should you buy? Car crashes can result in many different expenses, which your car insurance can pay for based on the type of insurance you own. No matter where you live, you will need to purchase some type of auto insurance. Without insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. 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. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, like emergency road service and car rental, are also available. State Farm Agent Clermont