Purchasing Insurance Coverage More Than Just Money

You will see more drivers on the road every year. This can lead to a higher possibility of a car accident. If you get in a car crash, the car 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 car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Your state or province certainly mandates some type of car insurance. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and 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 no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for reasonable medical and funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont