The WideRanging Benefits of Your Insurance Coverage

Every year, more cars and drivers are on the highways. With so many vehicles on the road, accidents can happen. The difference between a little aggravation and major pain can be your insurance. So how do you know what insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This could include fire damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other kinds of car insurance, like emergency road service, are also available. State Farm Clermont

[Top]