Types of Auto Insurance Coverage

There are more cars hitting the road each year. This can lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and major pain can be car insurance. How can you determine what insurance you require and how to purchase it? Car insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and certain other incidents, such as robbery. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, liability insurance can pay for your court costs. State laws typically require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, including car rental, are also available. State Farm Agent Clermont