Insurance and You

You will see more cars on the road every year. With the increasing number of vehicles on the road, crashes will happen. Car insurance can make the difference between a minor setback and a major hassle. So how do you know what insurance you need and the quantity you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws typically mandate minimum amounts, but larger amounts are available and extremely helpful. 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. The minimum amount of personal injury protection is typically set by the state. 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. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other policies, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you should never be on the road without it. 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