Comprehensive Insurance Policies

Each year, more drivers travel our roads and freeways. With so many vehicles on the road, crashes are going to happen. Automobile insurance can make the difference between a minor inconvenience and a major trial. How can you determine what insurance you require and how to buy it? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your legal fees. Local laws usually mandate standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was responsible for the collision. It is occasionally referred to as no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance 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 protects you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. State Farm Agent Clermont