Buying Insurance About More Than Money

The number of cars and drivers on the road increases each and every year. With so many vehicles on the road, accidents are going to happen. Car insurance can make the difference between a minor setback and a major hassle. How can you determine what insurance you require and how you can buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Liability pays for damages due to personal injury and damage to property that you are responsible for. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. It may also pay for lost earnings, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like emergency road service and car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont