The FarReaching Benefits of Your Insurance Coverage

We see more cars on the road each year. With the increasing number of vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you get? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the crash. It is occasionally referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont