Automobile Insurance and You

We see more and more cars on the road each year. With the increasing number of vehicles on the road, crashes can happen. The difference between a small bother and large pain can be automobile insurance. So how do you know what insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This 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. It can also pay for lost wages, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. This insurance will pay for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. State Farm Clermont