Perfect Balance Organics

Insurance and How It Helps You

Every year, more cars and drivers hit the roads. This could lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how can you find out what insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover 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. State Farm Clermont

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