Comprehensive Insurance Policies

You will see more cars on the road each year. With the increasing number of vehicles on the road, accidents can happen. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why is insurance important and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: Pays for damages due to bodily injury and damage to property for which you are responsible. If you are sued, it also pays your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly called no-fault coverage. It can also pay for lost earnings, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Agent Clermont