Buying Insurance Coverage More Than Just Money

You will see more and more cars on the road every year. This can lead to a higher possibility of a car accident. Car insurance can be the difference between a minor setback and a major hassle. How can you determine what type of insurance you need and where you should go to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This 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 all types of medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing 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 protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. 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, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. State Farm Agent Clermont