Types of Auto Insurance Coverage

Every year, more drivers hit America's roads. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and large pain can be automobile insurance. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: It pays for expenses due to personal injury and property damage to others that you have caused. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, such as emergency road service, can also be purchased. State Farm Clermont