Extensive Insurance Coverage

There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a minor setback and a major trial. So how can you figure out what insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Auto insurance is mandated by law in all states and provinces. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If this policy has been bought, the insured person will receive payment for all types of medical and funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Clermont