Everything You Need to Know About Auto Insurance

There are more drivers hitting the road each year. With the increasing number of vehicles on the road, accidents can happen. The difference between a small aggravation and large pain can be the car insurance you own. So how do you know what insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: Liability pays for expenses due to personal injury and property damage to others that you have caused. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. It can also cover lost earnings, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont