The FarReaching Benefits of Your Insurance Coverage

There are more cars hitting the road every year. This could lead to an increased likelihood of a car accident. The difference between a little bother and large pain can be the car insurance you have purchased. How can you decide what insurance you need and where you should go to buy it? Auto insurance provides you with protection from paying for injury or damage you cause others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, plus certain other occurrences, such as robbery. Without insurance, you run the risk of having to pay the full cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other policies, such as car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont