What Car Insurance Means to You

Every year, more automobiles and drivers are on the highways. With countless vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why is insurance necessary and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance can pay for your legal fees. State laws usually require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other policies, including car rental and emergency road service, are also available. State Farm Clermont