Insurance and How It Helps You

There are more drivers hitting the road each year. This could lead to a higher possibility of a car accident. The difference between a small bother and major pain can be the car insurance you own. So how do you know what insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other types of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. State Farm Clermont