Your Insurance Policy Always Working For You

There are more drivers hitting the road every year. This can lead to an increased likelihood of a car accident for you and your family. The difference between a small aggravation and large pain can be automobile insurance. But why do you need to own insurance and exactly how much should you purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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 may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment 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 and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont