Insurance and How It Helps You

The number of cars and drivers on the road increases every year. This could lead to an increased likelihood of a car accident for you and your family. Automobile insurance can make the difference between a minor setback and a major hassle. But why do you need insurance and just how much should you purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is occasionally called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other kinds of car insurance, such as emergency road service, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont