Buying Insurance About More Than Money

There are more drivers hitting the road each year. As this number increases, the chances of a car wreck will also go up. Car insurance can be the difference between a small inconvenience and a large hassle. So how do you know what type of car insurance you need and how much to buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. By not purchasing insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: It pays for expenses due to bodily injury and property damage to others where you are responsible. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. It can also pay for lost earnings, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance protection covers any non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. State Farm Clermont