Valley Business Connections

Your Auto Insurance Plan

Each year, more automobiles and drivers hit the roads. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a minor inconvenience and a major hassle. So how can you find out what type of car insurance you need and how much to buy? Car accidents can lead to many different expenses, which can all be paid for based on the insurance policy you own. Your state or province definitely requires some type of auto insurance. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for damages due to personal injury and damage to property that you are responsible for. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, it also pays your legal fees. Local laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your selected 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 auto insurance; you should never be on the road without it. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. State Farm Clermont

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