Your Insurance Coverage Always Working For You

There are more cars and drivers hitting the road each year. With so many vehicles on the road, accidents can happen. The difference between a small bother and major pain can be car insurance. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are in legal trouble, it also pays your legal fees. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. 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. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, including car rental, are also available. State Farm Agent Clermont