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 hassle. But why is insurance required by law and just how much do you need? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. 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. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. State Farm Agent Clermont