What is Auto Insurance?

We see more and more cars on the road each year. With so many vehicles on the road, crashes can happen. The difference between a little bother and large pain can be your insurance. So how do you know what insurance you need and the quantity you should buy? Required coverage varies by state/province but usually includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other kinds of car insurance, including car rental, can also be purchased. State Farm Agent Clermont