The FarReaching Benefits of Your Insurance Coverage

Each year, more automobiles and drivers are on the roads. This could lead to an increased likelihood of a collision. The difference between a small bother and major pain can be your car insurance. But why is insurance important and just how much should you get? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. It also covers your legal fees if you are sued. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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. Local law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, including emergency road service, can also be purchased. State Farm Agent Clermont