Your Insurance Coverage Always Working For You

The number of drivers on the road increases each and every year. This can lead to a higher possibility of a car accident for you and your family. Automobile insurance can be the difference between a minor setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which your insurance can pay for based on the type of coverage you own. Making the decision 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: Pays for damages due to bodily injury and property damage to others that you have caused. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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 type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages 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 a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont