What Car Insurance Means to You

We see more and more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. But why is insurance required by law and just how much should you get? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of car insurance, like emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont