Your Insurance Coverage Always Working For You

There are more cars and drivers on the road every year. With so many vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. How can you determine what insurance you require and how to buy it? Car accidents can result in many different expenses, which your car insurance might be able to pay for based on the type of insurance you own. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. It can also cover your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the crash. It is occasionally referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, like car rental, are also available. State Farm Agent Clermont