Insurance and What It Means To You

Each year, more cars and drivers hit the highways. This could lead to an increased likelihood of a collision. The difference between a little aggravation and large pain can be your car insurance. But why do you need insurance and just how much should you buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. State laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. It may also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many drivers think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont