Different Car Insurance Policies

You will see more and more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you own can make a large difference in the experience you have. So how can you find out what insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your defense and court costs. State laws usually require standard amounts, but higher amounts can be purchased and are usually recommended. 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. It can also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. It pays for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Clermont