There are more cars and drivers hitting the road every year. This could lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a minor inconvenience and a large trial. How can you decide what insurance you require and how to purchase it? Required coverage varies by state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and damage to property where you are responsible. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. It also covers your legal fees if you are sued. State laws typically require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is sometimes called no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically 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 this policy has been bought, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This could include weather damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont

There are more cars on the road every year. This could lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a minor inconvenience and a major trial. So how do you know what insurance you need and how much to buy? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of insurance you have purchased. Without insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It also covers your defense and court costs if you are sued. Local laws usually require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the crash. It is commonly called no-fault coverage. It may also cover lost wages, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of coverage, including emergency road service and car rental, can also be purchased. State Farm Clermont

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