Buying Insurance More Than Just Money

The amount of drivers on the road increases each year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car wreck, the car insurance you have can make a big difference in what happens next. So how do you know what insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, liability insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people don't want to pay for car insurance, but it is honestly something you don't want to live without. 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