Different Car Insurance Policies

There are more cars hitting the road every year. With the increasing number of vehicles on the road, accidents will happen. The difference between a little aggravation and large obstacle can be the car insurance you own. How can you decide what insurance you need and how to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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. It can also pay for lost wages, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of car insurance, including car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. State Farm Clermont