Extensive Insurance Policies

There are more drivers hitting the road each year. This could lead to an increased likelihood of a car accident for you and your family. The difference between a small aggravation and major obstacle can be car insurance. How can you decide what insurance you require and how you can buy it? Insurance requirements vary by state/province, but usually include the following: Liability: It pays for expenses due to personal injury and damage to property for which you are responsible. Damages from bodily injury 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 defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. It can also pay for lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont