Insurance and How It Helps You

Each year, more automobiles and drivers are on the highways. This could lead to a higher possibility of a car accident. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much should you get? Required coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. It also covers your legal fees if you are sued. Local laws typically require minimum amounts, but higher 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. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. State Farm Clermont