Why You Need Auto Insurance

Each year, more cars and drivers hit the highways. This can lead to a higher possibility of a car accident. If you get in a car accident, the car insurance you own can make a big difference in the experience you have. How can you decide what type of insurance you need and where you should go to buy it? Required coverage varies by state/province but typically includes the following: Liability: Pays for damages due to bodily injury and damage to property that you are responsible for. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. 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. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, 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: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, like car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. State Farm Clermont