The FarReaching Benefits of Your Insurance Coverage

There are more cars and drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the auto insurance you own can make a large difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance will pay for your court costs. Local laws typically mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Other types of coverage, like emergency road service and car rental, are also available. State Farm Clermont