Purchasing Insurance Protection About More Than Money

There are more cars and drivers on the road each year. With so many vehicles on the road, accidents will happen. The difference between a little aggravation and large obstacle can be the car insurance you own. But why do you need insurance and just how much should you purchase? Auto insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus specific other situations, such as theft. Without insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may be responsible. If this type of coverage has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include fire damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, like car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont