Insurance and What It Means To You

There are more cars and drivers on the road every year. With so many vehicles on the road, crashes can happen. Car insurance can make the difference between a minor inconvenience and a large trial. So how can you find out what type of car insurance you need and the quantity you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. 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 for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. This insurance will pay 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 damages from other sources when you buy this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some drivers don't want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. State Farm Clermont