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Your Insurance Policy Always Working For You

Each year, more cars and drivers travel the highways. With so many vehicles on the road, accidents can happen. Automobile insurance can be the difference between a minor setback and a large trial. But why is insurance important and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment 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 payment for necessary medical or funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. State Farm Agent Clermont