Different Auto Insurance Policies

There are more cars and drivers hitting the road every year. As this number increases, the chances of a car wreck will also increase. If you get in a car accident, the car insurance you own can make a large difference in what happens next. How can you decide what insurance you need and how you can buy it? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. State Farm Agent Clermont