There are more cars on the road every year. This could lead to an increased likelihood of a car accident. If you get in a car accident, the car insurance you own can make a large difference in the experience you have. So how can you find out what insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Pays for expenses due to personal injury and damage to property that you are responsible for. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. State government usually sets minimum amounts. 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. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont
^