Valley Business Connections

What Auto Insurance Means to You

Every year, more cars and drivers travel the highways. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and major pain can be your insurance. So how can you find out what type of car insurance you need and the quantity you should buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. 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 pay for lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive payment for necessary medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the proper amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont

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