Everything You Need to Know About Car Insurance

Every year, more drivers hit America's roads. With so many vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you have can make a big difference in what happens next. But why do you need insurance and exactly how much should you purchase? Car accidents can lead to a variety of different expenses, which your insurance can pay for based on the type of insurance you own. Automobile insurance is mandated by law in all states and provinces. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. 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 may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont