Everything You Need to Know About Auto Insurance

Each year, more cars and drivers travel the roads. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and major obstacle can be your car insurance. How can you determine what type of insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, this type of insurance will pay for your court costs. State laws usually require standard amounts, but higher amounts can be purchased and are very beneficial. 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. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many drivers don't want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont

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