Insurance and How It Helps You

We see more and more cars on the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a small inconvenience and a large trial. How can you decide what insurance you require and where you should go to buy it? Coverage requirements will differ by state/province, but typically include 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 and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is commonly called no-fault coverage. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the right amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. State Farm Agent Clermont