Every year, more drivers travel America's roads. This could lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a minor setback and a large hassle. But why do you need to own insurance and exactly how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for expenses due to bodily injury and damage to property that you have caused. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This 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. This insurance may also cover lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other policies, like car rental, are also available. State Farm Clermont
The amount of cars and drivers on the road increases each year. As this number goes up, the chances of a car collision will also go up. Car insurance can make the difference between a small inconvenience and a major hassle. How can you decide what insurance you need and how to purchase it? Required coverage varies by state/province but typically includes the following: Liability: Liability pays for damages due to bodily injury and damage to property when you are responsible. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. It may also pay for lost earnings, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. It pays for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, such as emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Agent Clermont
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