The WideRanging Benefits of Your Insurance Policy

There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a car accident. The difference between a little aggravation and large pain can be the car insurance you have purchased. So how can you find out what insurance you need and the quantity you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts, 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. It may also cover lost wages, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont