Insurance and How It Helps You

Every year, more cars and drivers are on the roads. With so many vehicles on the road, accidents can happen. The difference between a small bother and major pain can be the car insurance you own. So how can you find out what type of car insurance you need and how much to purchase? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, it also pays your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. This insurance can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other types of coverage, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont