Your Insurance Coverage Always Working For You

The number of cars on the road increases every year. As this number increases, the chances of a car collision will also increase. The difference between a little bother and major pain can be your car insurance. So how do you know which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are 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 responsible for the crash. It is required in some states and optional in others. It may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other kinds of coverage, such as car rental, are also available. State Farm Clermont