Luther Records

Different Car Insurance Policies

Every year, more cars hit our roads and freeways. As this number increases, the chances of a car wreck will also increase. Automobile insurance can be the difference between a small setback and a major hassle. So how can you figure out which type of insurance you need and how much you should buy? Car crashes can lead to many different expenses, which your insurance can pay for based on the insurance policy you own. Without insurance, you risk having to pay the total price of the harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, it also pays your defense and court costs. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. 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 cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont

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