Your Insurance Coverage Always Working For You

There are more cars and drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small setback and a large trial. How can you decide what insurance you need and how to purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is commonly called no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, including emergency road service, are also available. State Farm Clermont