Your Insurance Policy Always Working For You
You will see more drivers on the road every year. With countless vehicles on the road, crashes will happen. The difference between a small bother and major pain can be your car insurance. So how do you know what type of car insurance you need and how much to buy? Car crashes can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of coverage you have purchased. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The type of the car you own * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. State Farm Agent Clermont