Extensive Insurance Coverage

The amount of cars and drivers on the road increases each and every year. As this number goes up, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how you can buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It can also cover your defense and court costs 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: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is occasionally called no-fault coverage. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. If this type of coverage is purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. State Farm Clermont