There are more cars and drivers hitting the road every year. This could lead to an increased likelihood of a collision. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. By not owning insurance, you risk having to pay the full price of any harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, like emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: *Your selected 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 Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. State Farm Clermont
^