Auto Insurance and You

Every year, more cars and drivers hit the roads. This can lead to an increased likelihood of a car accident. The difference between a little aggravation and large pain can be the car insurance you have purchased. How can you determine what insurance you require and where you should go to buy it? Car crashes can result in many different expenses, which can all be paid for based on the type of coverage you have purchased. Every state or province mandates auto insurance by law. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: It pays for expenses due to personal injury and damage to property that you have caused. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is occasionally called no-fault coverage. It may also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If this type of coverage is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, such as emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some drivers think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. State Farm Clermont