Extensive Insurance Policies

Every year, more cars and drivers are on the highways. This could lead to an increased likelihood of a car accident. If you get in a car accident, the car insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you need and where you should go to buy it? Auto insurance protects you by paying for damage caused to your car or another person's car and injury to others, yourself, or your passengers, plus specific other situations, such as theft. By not purchasing insurance, you run the risk of having to pay the total price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for damages due to bodily injury and damage to property where you are responsible. It also covers your defense and court costs if you are sued. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance coverage. Other policies, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. State Farm Agent Clermont