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The FarReaching Benefits of Your Insurance Coverage

The number of cars and drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large obstacle can be your insurance. But why do you need to own insurance and just how much should you buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It also covers your legal fees if you are sued. Local laws typically mandate minimum amounts of liability insurance, but larger 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. Local law typically sets minimum amounts. 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. It pays for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. State Farm Agent Clermont