Auto Insurance and You

The amount of drivers on the road increases each and every year. As this number increases, the chances of a car wreck will also increase. Automobile insurance can make the difference between a small inconvenience and a major hassle. How can you determine what insurance you need and how to purchase it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Every state or province requires automobile insurance by law. Without insurance, you risk having to pay the total cost of the harm or injury you cause others. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. 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 hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is occasionally called no-fault coverage. It may also pay for lost wages, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont