Everything You Need to Know About Car Insurance

There are more cars on the road every year. With so many vehicles on the road, accidents will happen. The difference between a small aggravation and large pain can be automobile insurance. But why do you need to own insurance and just how much should you purchase? Car accidents can result in a variety of different expenses, which your insurance can pay for based on the insurance policy you have purchased. By not purchasing insurance, you risk having to pay the total price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, such as emergency road service and car rental, are also available. State Farm Clermont