What Automobile Insurance Means to You

There are more cars and drivers hitting the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major pain can be automobile insurance. So how do you know what insurance you need and the quantity you should purchase? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or your passengers, and specific other occurrences, such as robbery. Choosing to drive without owning 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: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, this type of insurance can pay for your court costs. State laws usually mandate minimum amounts of liability insurance, but higher 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. This insurance may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of coverage, such as emergency road service, can also be purchased. State Farm Clermont

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