Your Insurance Policy Always Working For You

There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how to purchase it? Required coverage varies by state/province but typically includes the following: Liability: Pays for damages due to personal injury and property damage to others that you are responsible for. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This 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 this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont