Insurance and You

We see more and more cars on the road each year. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. How can you determine what type of insurance you need and how to buy it? Car crashes can lead to many different expenses, which your insurance might be able to pay for based on the insurance policy you own. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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. It can also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont