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Insurance and What It Means To You

The number of cars and drivers on the road increases each year. This can lead to an increased likelihood of a collision for you and your family. Automobile insurance can make the difference between a minor inconvenience and a large trial. So how can you figure out which type of insurance you need and how much you should buy? Car insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, plus certain other situations, such as burglary. Every state or province requires car insurance by law. Without insurance, you risk having to pay the full cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was responsible for the crash. It is commonly referred to as no-fault coverage. It may also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont

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