Insurance and You
Every year, more drivers hit our roads and freeways. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. How can you determine what insurance you require and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, such as emergency road service, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * Which policies you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. State Farm Agent Clermont