Purchasing Insurance About More Than Money

Each year, more drivers travel America's roads. This can lead to a higher possibility of a collision for you and your family. The difference between a little bother and major pain can be car insurance. How can you decide what insurance you need and how you can purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, liability insurance will pay for your defense and court costs. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. 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 despite who may be responsible. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. State Farm Clermont