Different Auto Insurance Policies

Every year, more automobiles and drivers travel the highways. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the car insurance you have can make a large difference in what happens next. But why do you need to own insurance and just how much should you purchase? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the collision. It is occasionally referred to as no-fault coverage. It can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. It pays for an insured person's necessary medical and 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: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like emergency road service and car rental, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. State Farm Clermont