Your Insurance Coverage Always Working For You

Each year, more cars and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the auto insurance you own can make a big difference in the experience you have. But why is insurance important and just how much should you buy? Required coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. It pays for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from robbery, 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 coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, including emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Clermont