Everything You Need to Know About Car Insurance

Every year, more cars and drivers travel the highways. As this number goes up, the chances of a car collision will also increase. If you get in a car wreck, the auto insurance you have can make a large difference in the experience you have. So how do you know what type of car insurance you need and how much to purchase? Auto insurance provides you with protection from covering the cost of damage or injury you cause others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, and specific other occurrences, such as burglary. No matter where you are living, you will need to buy some type of auto insurance. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This 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. This insurance can also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. If this policy has been bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of car insurance, including emergency road service, can also be purchased. State Farm Clermont