The FarReaching Benefits of Your Insurance Policy

The amount of cars on the road increases every year. This could lead to an increased likelihood of a car accident for you and your family. The difference between a little aggravation and large pain can be the car insurance you have purchased. How can you decide what insurance you need and how you can purchase it? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are sued, liability insurance can pay for your defense and court costs. Recommended, higher levels of insurance are available 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. 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 can also cover lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, like emergency road service, can also be purchased. State Farm Clermont