Insurance and How It Helps You
Each year, more cars and drivers travel America's roads. This could lead to an increased likelihood of a collision for you and your family. Automobile insurance can be the difference between a minor setback and a major hassle. So how do you know what insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is sometimes called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. If this policy is bought, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other kinds of car insurance, such as emergency road service and car rental, 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 * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have consider car insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont