Everything You Need to Know About Car Insurance

The number of drivers on the road increases each year. As this number increases, the chances of a car accident will also increase. The difference between a little bother and major pain can be car insurance. But why do you need to own insurance and just how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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. This insurance may also cover lost wages, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont