There are more cars and drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a small aggravation and large pain can be automobile insurance. But why do you need insurance and exactly how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If you buy this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont
^