Comprehensive Insurance Policies

There are more cars and drivers hitting the road every year. This could lead to a higher possibility of a collision. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. No matter where you live, you will need to purchase some type of auto insurance. Without insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also cover lost earnings, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. This insurance will pay for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont