Your Insurance Policy Always Working For You

Every year, more cars and drivers hit the roads. As this number increases, the chances of a car collision will also increase. The difference between a little aggravation and major pain can be the car insurance you own. How can you determine what insurance you require and where you should go to buy it? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are in legal trouble, it also pays your legal fees. State laws typically mandate standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also pay for lost wages, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies 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 Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Clermont

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