Purchasing Insurance Protection It's Not About The Money

We see more cars on the road every year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. How can you determine what type of insurance you require and where you should go to buy it? Car insurance provides you with protection from paying for injury or damage you cause others while you are driving, damage to your car or injury to you or your passengers from a crash, plus certain other incidents, such as robbery. By not purchasing insurance, you risk having to pay the total cost of any harm you cause others. Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. It can also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. If you buy this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including car rental, are also available. State Farm Clermont