Buying Insurance Protection About More Than Money

The amount of drivers on the road increases every year. This can lead to a higher possibility of a car accident for you and your family. Automobile insurance can be the difference between a minor setback and a large hassle. But why do you need insurance and exactly how much should you buy? Car insurance provides you with protection from covering the cost of injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, and certain other incidents, such as burglary. By not owning insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other kinds of car insurance, including emergency road service, can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Agent Clermont