Insurance and How It Helps You

The number of cars on the road increases each year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you have can make a large difference in what happens next. So how do you know what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, like car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. State Farm Agent Clermont