Insurance and How It Helps You

The number of drivers on the road increases each year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large pain can be the car insurance you own. So how can you figure out what insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance can pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont

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