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The FarReaching Benefits of Your Insurance Coverage

There are more cars hitting the road every year. With so many vehicles on the road, accidents can happen. The difference between a little bother and large pain can be the car insurance you own. So how do you know which type of insurance you need and how much to buy? Required coverage varies based on the state/province but usually includes the following: Liability: Pays for expenses due to personal injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is sometimes called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other policies, like car rental and emergency road service, are also available. State Farm Clermont