Your Automobile Insurance Plan

The number of drivers on the road increases every year. With countless vehicles on the road, accidents are going to happen. If you get in a car accident, the car insurance you own can make a large difference in what happens next. But why do you need insurance and exactly how much should you purchase? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. No matter where you are living, you are required to buy some type of car insurance. Without insurance, you risk having to pay the full price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are sued, this type of insurance can pay for your court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is sometimes called no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont