Comprehensive Insurance Coverage

There are more cars and drivers on the road every year. As this number goes up, the chances of a car wreck will also increase. The difference between a little bother and major pain can be car insurance. So how do you know what insurance you need and the quantity you should purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Choosing to drive without 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: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, liability insurance can pay for your defense and court costs. Local laws typically require minimum amounts of liability insurance, but larger 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 other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. State Farm Clermont