Your Insurance Policy Always Working For You

There are more cars and drivers hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you need and how to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. 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 crash. It is occasionally referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance covers any non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. State Farm Agent Clermont