The FarReaching Benefits of Your Insurance Coverage

There are more cars and drivers hitting the road every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the car insurance you have can make a big difference in what happens next. How can you determine what insurance you require and how you can buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated 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. It can also pay for lost earnings, service replacement and funeral expenses. State government usually 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. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, 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 insurance. Under-Insured Motorist: Pays for collision expenses 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 amount of the damages. Other types of coverage, like car rental, are also available. State Farm Agent Clermont

[Top]