Valley Business Connections

Insurance and You

Every year, more automobiles and drivers hit America's roads. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the car insurance you own can make a large difference in what happens next. How can you determine what insurance you require and how to purchase it? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for damages due to personal injury and property damage to others that you are responsible for. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This is mandated 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. This insurance may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Other kinds of car insurance, including emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont

Financial Security and Your Insurance Policy

We see more cars on the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small setback and a major trial. How can you decide what type of insurance you require and how to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. State laws usually require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is bought, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other types of car insurance, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Car Insurance Quotes Clermont

Comprehensive Home Insurance Coverage

Protect yourself and your family with State Farm®. Contact us today and we will help you compare your options. More consumers buy homeowners insurance from State Farm® Insurance than any other company. With one of the industry's largest customer support networks, we provide 24/7 support every day of the year. From everyday safety items like deadbolts and fire extinguishers to multiple-line policies, the experts at State Farm® can help you save on your home insurance through several effective discounts. Current State Farm® customers have numerous reasons for selecting us over our competitors. 24-hour client support, a highly-rated customer account management system, innovative tools are just some of the tools that State Farm® can provide for you. By choosing State Farm® Insurance, our clients can always feel protected by their insurance company. Car Insurance Quotes Clermont

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