Everything You Need to Know About Automobile Insurance

There are more cars on the road each year. With so many vehicles on the road, crashes can happen. Car insurance can be the difference between a small inconvenience and a large trial. How can you decide what type of insurance you need and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are sued, this type of insurance will pay for your court costs. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you should never drive a car without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont