What Automobile Insurance Means to You

There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you decide what insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Your state or province certainly mandates some type of auto insurance. By not purchasing insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. State Farm Clermont