Your Car Insurance Plan

The number of drivers on the road increases each year. This could lead to an increased likelihood of a car accident for you and your family. The difference between a small aggravation and major pain can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Every state or province requires automobile insurance by law. Without insurance, you run the risk of having to pay the total price of any harm or injury you cause others. Liability: Liability pays for expenses due to personal injury and damage to property for which you are responsible. If you are sued, it also pays your court costs. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral costs. Local government usually 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. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, such as emergency road service and car rental, can also be purchased. State Farm Agent Clermont