The WideRanging Benefits of Your Insurance Policy

We see more cars on the road every year. As this number goes up, the chances of a car accident will also increase. The difference between a small bother and major pain can be your insurance. How can you decide what type of insurance you require and how to buy it? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. By not purchasing insurance, you run the risk of having to pay the total cost of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more events 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont