Why You Need Automobile Insurance

Each year, more cars travel the highways. With so many vehicles on the road, crashes can happen. Automobile insurance can make the difference between a minor setback and a major trial. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are sued, this type of insurance can pay for your court costs. State laws typically mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. It can also cover lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. State Farm Clermont

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