Different Auto Insurance Policies
Each year, more cars travel the highways. With countless vehicles on the road, crashes can happen. Car insurance can make the difference between a minor inconvenience and a major trial. But why do you need insurance and exactly how much should you purchase? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and property damage to others when you are responsible. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. If this type of coverage has been purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont