Types of Car Insurance Coverage

Each year, more automobiles and drivers hit the roads. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and major pain can be your insurance. But why do you need insurance and just how much should you get? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Auto insurance is mandated by state law. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. If this policy is purchased, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Agent Clermont