Comprehensive Insurance Coverage

Every year, more cars and drivers hit the roads. With so many vehicles on the road, crashes can happen. Car insurance can make the difference between a minor setback and a major hassle. So how can you find out what insurance you need and how much to buy? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, it also pays your defense and court costs. Local laws usually mandate minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, including car rental, can also be purchased. State Farm Agent Clermont