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Everything You Need to Know About Car Insurance

There are more drivers on the road every year. With so many vehicles on the road, accidents will happen. Car insurance can make the difference between a small inconvenience and a large hassle. But why is insurance required by law and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance can pay for your legal fees. State laws typically mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The type 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 auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. State Farm Clermont

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