Why You Need Car Insurance
There are more drivers hitting the road each year. This could lead to a higher possibility of a car accident for you and your family. The difference between a little bother and major pain can be your insurance. How can you decide what insurance you need and how to purchase it? Car insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, plus specific other incidents, such as theft. Your state or province definitely mandates some type of auto insurance. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance coverage. Other policies, such as emergency road service, are also available. State Farm Clermont