Comprehensive Insurance Policies

There are more cars on the road every year. With the increasing number of vehicles on the road, crashes can happen. Car insurance can be the difference between a minor setback and a major hassle. How can you decide what insurance you need and how to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased 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 payment for necessary medical or funeral costs. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, such as car rental, are also available. State Farm Clermont