Comprehensive Insurance Policies

Every year, more cars and drivers are on the highways. This could lead to a higher possibility of a car accident. Car insurance can make the difference between a small setback and a major hassle. So how do you know what insurance you need and the quantity you should purchase? Car crashes can lead to many different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Every state and province requires car insurance by law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. 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 typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other policies, including emergency road service, are also available. State Farm Clermont