You will see more and more cars on the road every year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. But why is insurance important and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. State laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. 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. If this policy has been bought, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont
^