Everything You Need to Know About Automobile Insurance

Every year, more cars and drivers are on the highways. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Liability pays for expenses due to personal injury and damage to property that you are responsible for. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was at fault in the collision. It is commonly called no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical or funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, such as emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Clermont