Your Insurance Coverage Always Working For You
Each year, more automobiles and drivers travel the highways. This can lead to an increased likelihood of a car accident. The difference between a little bother and large pain can be your car insurance. So how do you know what type of car insurance you need and how much to buy? Car crashes can result in a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Without insurance, you run the risk of having to pay the full price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, including car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. State Farm Agent Clermont