Your Insurance Policy Always Working For You

You will see more and more drivers on the road each year. This could lead to a higher possibility of a car accident. Automobile insurance can make the difference between a small inconvenience and a large trial. How can you determine what insurance you need and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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 law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, such as emergency road service, are also available. State Farm Agent Clermont