Index U

Insurance and You

Every year, more drivers travel America's roads. With countless vehicles on the road, accidents are going to happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. How can you decide what insurance you need and how you can purchase it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, liability insurance will pay for your legal fees. State laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont

Theme author: http://thememotive.com. Engine: http://wordpress.org.