Comprehensive Insurance Policies

Each year, more cars and drivers hit the highways. This could lead to an increased likelihood of a car accident. The difference between a little aggravation and large obstacle can be the car insurance you own. How can you decide what type of insurance you need and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. By not purchasing insurance, you run the risk of having to pay the total price of the harm you cause others. Liability: It pays for expenses due to personal injury and damage to property that you have caused. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was at fault in the accident. It is commonly called no-fault coverage. This insurance may also cover lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, like emergency road service, are also available. State Farm Agent Clermont