Purchasing Insurance Coverage About More Than Money

Each year, more cars travel America's roads. With so many vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you have can make a large difference in what happens next. How can you decide what insurance you require and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. No matter where you are living, you will need to buy some variety of car insurance. By not purchasing insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. Local law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Clermont