Insurance and How It Helps You

There are more drivers on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car accident, the auto insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Car insurance provides you with protection from 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 robbery. Without insurance, you risk having to pay the full cost of the harm you cause others. Liability: Pays for expenses due to personal injury and property damage to others that you have caused. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is required 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. The minimum amount of personal injury protection is usually set by local government. 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 this type of coverage is purchased, the insured person will receive payment for reasonable medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Other types of car insurance, like car rental, are also available. State Farm Agent Clermont