Types of Car Insurance Coverage

There are more cars and drivers hitting the road every year. With the increasing number of vehicles on the road, accidents can happen. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you determine what type of insurance you need and where you should go to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont