Purchasing Insurance About More Than Money

We see more cars on the road each year. As this number goes up, the chances of a car collision will also increase. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and where you should go to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Your state or province certainly requires some type of auto insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is commonly called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased 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 or funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like emergency road service, are also available. Your auto 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, gender and marital status * Where you live Some drivers may not want to pay for auto 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 best suits you. State Farm Agent Clermont