Comprehensive Insurance Coverage
Each year, more drivers hit the highways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor inconvenience and a large trial. But why do you need insurance and exactly how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, it also pays your court costs. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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 pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont