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Your Insurance Policy Always Working For You

We see more and more drivers on the road every year. As this number increases, the chances of a car collision will also go up. Automobile insurance can make the difference between a minor setback and a major hassle. How can you decide what insurance you require and how to buy it? Auto insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, plus certain other incidents, such as robbery. No matter where you live, you will need to buy some variety of auto insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, 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. This insurance can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. 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. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont

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