Perfect Balance Organics

Buying Insurance It's Not About The Money

The number of cars and drivers on the road increases every year. As this number increases, the chances of a car wreck will also increase. Automobile insurance can make the difference between a small setback and a large trial. So how do you know which type of insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for damages due to bodily injury and damage to property that you have caused. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont

Theme author: http://thememotive.com. Engine: http://wordpress.org.