Purchasing Insurance Coverage About More Than Money

There are more cars and drivers on the road every year. As this number goes up, the chances of a car wreck will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in what happens next. But why do you need insurance and just how much should you purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of 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 is bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Clermont