The WideRanging Benefits of Your Insurance Policy

Every year, more automobiles and drivers hit the roads. With the increasing number of vehicles on the road, accidents can happen. Car insurance can be the difference between a small setback and a large hassle. So how can you find out what insurance you need and the quantity you should purchase? Car accidents can lead to a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Without insurance, you run the risk of having to pay the full price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the total cost 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 by company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont