What is Car Insurance?

Every year, more automobiles and drivers travel the roads. With so many vehicles on the road, crashes can happen. Car insurance can make the difference between a small setback and a large trial. But why do you need insurance and just how much should you get? Auto insurance protects you by covering the cost of damage or injury you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, plus specific other occurrences, such as burglary. No matter where you are living, you will need to buy some variety of auto insurance. Without insurance, you risk having to pay the total cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. State laws usually require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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 government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage is bought, the insured person will receive payment for necessary medical or funeral costs. Collision: This pays for damage to your car caused by an accident. 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 collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of car insurance, like car rental, can also be purchased. State Farm Agent Clermont

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