Insurance and What It Means To You

There are more cars hitting the road every year. As this number increases, the chances of a car accident will also increase. The difference between a little aggravation and major obstacle can be car insurance. So how can you find out what insurance you need and the quantity you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, such as emergency road service, can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont