Your Insurance Policy Always Working For You

Every year, more drivers travel our roads and freeways. With so many vehicles on the road, accidents will happen. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. How can you decide what insurance you require and how you can buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. It may also cover lost wages, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on several 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 people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. State Farm Agent Clermont

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