Extensive Insurance Policies

Every year, more automobiles and drivers travel America's roads. With countless vehicles on the road, crashes can happen. The difference between a small aggravation and large pain can be your insurance. So how do you know which type of insurance you need and how much you should buy? Car insurance provides you with protection from paying for damage or injury you cause others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, plus certain other incidents, such as theft. Without insurance, you run the risk of having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. State law typically sets minimum amounts. Medical Payments: Medical payment 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 necessary medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This could include flood damage, vandalism, and theft. 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: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, including emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. State Farm Agent Clermont