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Purchasing Insurance It's Not About The Money

There are more cars and drivers on the road each year. This could lead to a higher possibility of a collision for you and your family. The difference between a small bother and major pain can be your car insurance. So how can you figure out which type of insurance you need and how much to buy? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, and specific other incidents, such as burglary. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is commonly called no-fault coverage. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. State Farm Clermont