The number of cars and drivers on the road increases each and every year. This could lead to a higher possibility of a collision for you and your family. Car insurance can make the difference between a minor setback and a major hassle. So how do you know which type of insurance you need and how much you should buy? Car insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your car or injury to you or your passengers from a crash, and specific other situations, such as theft. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance will pay for your court costs. State laws usually require standard amounts, but larger amounts are available and very beneficial. 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. If this policy has been purchased, the insured person will receive payment for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other kinds of car insurance, like car rental, can also be purchased. State Farm Clermont
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