Insurance and You
Each year, more automobiles and drivers travel the roads. With the increasing number of vehicles on the road, crashes will happen. The difference between a small bother and large pain can be car insurance. How can you decide what type of insurance you require and where you should go to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. By not owning insurance, you run the risk of having to pay the total cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. 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. This insurance can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont