Insurance and How It Helps You
There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the type of coverage you own. Every state and province requires car insurance by law. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are sued, this type of insurance will pay for your court costs. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont