Purchasing Insurance Coverage About More Than Money

There are more cars and drivers on the road every year. As this number increases, the chances of a car collision will also increase. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. But why is insurance necessary and just how much should you buy? Auto insurance protects you by paying for damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, and specific other incidents, such as theft. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Liability pays for expenses due to personal injury and damage to property where you are responsible. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the crash. It is commonly called no-fault coverage. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont