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Purchasing Insurance More Than Just Money

We see more cars on the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small setback and a large hassle. But why do you need insurance and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies by company and will depend on several 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 * Where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Clermont

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