Comfort Security and Your Insurance Policy

State Farm Agent Chesterton IN Each year, more cars travel our roads and freeways. This can lead to a higher possibility of a car accident for you and your family. If you get in a car accident, the car insurance you have can make a big difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are in legal trouble, liability insurance can pay for your court costs. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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 can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased.