Your Insurance Policy Always Working For You

There are more drivers hitting the road each year. With so many vehicles on the road, accidents will happen. Car insurance can make the difference between a small inconvenience and a major trial. How can you determine what insurance you need and where you should go to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. State Farm Agent Clermont

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