Insurance and You

There are more drivers hitting the road every year. As this number goes up, the chances of a car collision will also increase. The difference between a little bother and major pain can be your car insurance. But why do you need to own insurance and just how much should you buy? Car crashes can lead to many different expenses, which your insurance might be able to pay for based on the insurance policy you have purchased. Without insurance, you run the risk of having to pay the full cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for expenses due to personal injury and property damage to others where you are responsible. If you are in legal trouble, liability insurance can pay for your court costs. Local laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. Local law usually sets minimum amounts. 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. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont