The WideRanging Benefits of Your Insurance Coverage

The number of cars on the road increases each year. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor setback and a large hassle. How can you determine what insurance you need and how to purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. 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 will pay regardless of who carries responsibility for an accident. If this type of coverage is purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont