What is Automobile Insurance?

There are more drivers on the road each year. With the increasing number of vehicles on the road, accidents can happen. The difference between a small aggravation and large obstacle can be your insurance. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. It can also cover your defense and court costs if you are sued. State laws usually require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Other types of car insurance, like car rental, can also be purchased. State Farm Agent Clermont