The FarReaching Benefits of Your Insurance Policy

Each year, more automobiles and drivers hit the roads. With so many vehicles on the road, crashes can happen. The difference between a little bother and major pain can be the car insurance you own. But why do you need insurance and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for expenses due to personal injury and damage to property that you have caused. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other policies, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. State Farm Clermont