Insurance and How It Helps You

There are more drivers on the road each year. With so many vehicles on the road, accidents will happen. Car insurance can make the difference between a minor inconvenience and a major trial. How can you determine what insurance you require and how to buy it? Auto insurance provides you with protection from paying for damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, plus specific other occurrences, such as theft. Every state and province requires car insurance by law. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. It can also cover your defense and court costs if you are sued. State laws typically require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If you buy this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: 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 full amount of the damages. Other policies, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of car 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 help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont