There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a small aggravation and major pain can be the car insurance you have purchased. How can you determine what type of insurance you need and where you should go to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, liability insurance can pay for your court costs. Recommended, higher levels of insurance are available that take care of more than the lower, state-mandated varieties. 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. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont
You will see more and more cars on the road each year. With so many vehicles on the road, accidents will happen. The difference between a small bother and major pain can be your insurance. So how can you find out what insurance you need and the quantity you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. By not purchasing insurance, you risk having to pay the total cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are sued, this type of insurance will pay for your court costs. State laws usually require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased. State Farm Clermont
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