Insurance and How It Helps You

Every year, more drivers travel the highways. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the car insurance you own can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Your state or province certainly mandates some type of car insurance. By not purchasing insurance, you risk having to pay the total cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without owning the right amount of auto insurance. This insurance will protect 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 in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, such as car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. State Farm Clermont