Every year, more cars and drivers hit the highways. As this number increases, the chances of a car wreck will also increase. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: Pays for damages due to personal injury and property damage to others when you are responsible. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. It may also cover lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people don't want to pay for car insurance, but it is truly something you don't want to live without. Review 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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