Types of Car Insurance Coverage

There are more drivers hitting the road every year. With so many vehicles on the road, accidents will happen. The difference between a small aggravation and major obstacle can be automobile insurance. How can you determine what type of insurance you require and how to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: Pays for damages due to personal injury and damage to property when you are responsible. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was responsible for the crash. It is commonly referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. State Farm Agent Clermont