Insurance and How It Helps You

The number of cars and drivers on the road increases each year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you need and how you can purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the accident. It is occasionally called no-fault coverage. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * 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 car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. State Farm Agent Clermont

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