Purchasing Insurance Coverage More Than Just Money

You will see more and more cars on the road every year. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how do you know what insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover 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, no matter who was responsible for the accident. It is sometimes called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. State Farm Agent Clermont