Automobile Insurance and You

Each year, more cars hit America's roads. With so many vehicles on the road, accidents are going to happen. Car insurance can be the difference between a minor inconvenience and a large trial. But why do you need to own insurance and just how much should you buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Without insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont