Your Home Insurance Policy Always Working For You
There are more drivers on the road each year. This could lead to an increased likelihood of a collision. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. But why is insurance required by law and just how much do you need? Auto insurance protects you by paying for injury or damage you cause others while you are driving, damage to your vehicle or injury to you or your passengers from an accidents, plus certain other situations, such as robbery. Every state and province mandates auto insurance by law. Without insurance, you risk having to pay the full cost of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, 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 crash. It is required in some states and optional in others. It may also cover lost earnings, service replacement and funeral costs. State government 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. If this type of coverage has been purchased, the insured person will receive payment for reasonable medical and funeral costs. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont