Extensive Insurance Coverage

Each year, more drivers travel America's roads. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. Choosing 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: Pays for damages due to personal injury and property damage to others where you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, this type of insurance can pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This 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 breaking the law by driving a car without having the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, including car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. State Farm Clermont