The Site Ranker

Automobile Insurance and You

Every year, more drivers hit the highways. With so many vehicles on the road, crashes can happen. If you get in a car accident, the car insurance you have can make a big difference in what happens next. How can you determine what insurance you require and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Pays for damages due to bodily injury and property damage to others that you have caused. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, such as car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont