We see more and more cars on the road each year. With countless vehicles on the road, accidents will happen. The difference between a little bother and large obstacle can be car insurance. How can you decide what type of insurance you need and how to buy it? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This 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. This insurance may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Clermont
^