Automobile Insurance and You

There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents will happen. The difference between a small bother and large obstacle can be car insurance. So how can you find out what insurance you need and the quantity you should buy? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive 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. 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. This insurance can also cover lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, including emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * Which policies you choose * The type of the vehicle you own * 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 honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont