Why You Need Car Insurance

You will see more and more cars on the road every year. This could lead to a higher possibility of a collision. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and how much to purchase? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. 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. This insurance can also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, like car rental, are also available. State Farm Clermont