Your Insurance Coverage Always Working For You

You will see more cars on the road each year. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a small setback and a major trial. How can you determine what insurance you need and how to buy it? Car insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, plus specific other occurrences, such as theft. Your state or province definitely requires some type of auto insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Liability pays for expenses due to bodily injury and property damage to others where you are responsible. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance can pay for your legal fees. Local laws typically require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This type of coverage will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other policies, including car rental, are also available. State Farm Agent Clermont

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