Types of Car Insurance Coverage
There are more drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor inconvenience and a major trial. How can you decide what insurance you need and where you should go to buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This type of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, such as car rental, can also be purchased. State Farm Clermont