Extensive Insurance Coverage

Each year, more cars hit the highways. As this number increases, the possibility of accidents also increases. The difference between a little bother and large obstacle can be car insurance. So how do you know which type of insurance you need and how much you should buy? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you own. Your state or province certainly mandates some type of car insurance. By not purchasing insurance, you risk having to pay the total price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. It also covers your defense and court costs if you are sued. State laws typically require standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is sometimes called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by 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 drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Agent Clermont