There are more drivers hitting the road every year. This can lead to an increased likelihood of a collision for you and your family. Automobile insurance can make the difference between a small inconvenience and a major trial. But why do you need insurance and just how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Pays for damages due to bodily injury and damage to property that you are responsible for. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. It may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of auto insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance coverage. Other policies, including emergency road service, are also available. State Farm Clermont
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