Everything You Need to Know About Auto Insurance

Every year, more cars hit the highways. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a small setback and a large hassle. How can you decide what insurance you need and how you can buy it? Car accidents can lead to a variety of different expenses, which can all be paid for based on the type of coverage you own. No matter where you live, you will need to purchase some variety of auto insurance. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, including emergency road service and car rental, can also be purchased. State Farm Clermont