Comprehensive Insurance Policies

Each year, more cars hit America's roads. As this number increases, the possibility of accidents also increases. If you get in a car crash, the car insurance you have can make a large difference in what happens next. So how do you know what insurance you need and how much to buy? Car accidents can lead to many different expenses, which can all be paid for based on the type of insurance you have purchased. Without insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This 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. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people may not want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont

[Top]