Different Car Insurance Policies

The number of cars and drivers on the road increases each year. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and large obstacle can be the car insurance you have purchased. How can you decide what insurance you require and how you can purchase it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, 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. This insurance may also pay for lost wages, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when a driver with insurance is injured 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. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont