The FarReaching Benefits of Your Insurance Policy

You will see more and more drivers on the road every year. This can lead to an increased likelihood of a collision. If you get in a car wreck, the car insurance you have can make a big difference in the experience you have. So how can you find out what type of car insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available. Your car 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 Many people think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont