One That Knows

There are more cars hitting the road every year. As this number goes up, the chances of a car wreck will also increase. The difference between a small bother and major obstacle can be the car insurance you own. But why do you need to own insurance and exactly how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If this type of coverage is bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other policies, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. State Farm Clermont

State Farm Jersey Village State Farm® is the perfect place to protect you and your family. With your State Farm® agent working with you, it's simple to review all your options and choose the insurance coverage that will work best for you. There are various reasons that have made State Farm® the most popular insurance option for customers all over the country. Along with our professional State Farm® agents, our clients also receive around the clock customer service, a powerful customer management system, and tech tools like the State Farm® smartphone app. With all these tools, we can keep all of clients satisfied with their insurance policies. By choosing State Farm® Insurance, our clients will always feel comfortable and protected by their insurance agency.