Purchasing Insurance Protection More Than Just Money

There are more cars hitting the road each year. With so many vehicles on the road, accidents can happen. The difference between a small bother and major obstacle can be the car insurance you have purchased. So how do you know which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This 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 can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other policies, including car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont