Valley Business Connections

Insurance and How It Helps You

Protect yourself and your family with State Farm®. To look over all your choices for policies, call your neighborhood State Farm® agency now. State Farm® Insurance sells more home insurance policies than any other company. Our customer service network can be reached via telephone or the Internet and is available 24 hours a day, 365 days a year. State Farm® helps you save money on home insurance by offering a host of discounts for everything from multiple-line policies to household safety items like smoke alarms and burglar alarms. Our clients have several reasons for selecting us over our competitors. In addition to our professional State Farm® agents, our customers also receive around the clock customer service, a highly-rated customer account management system, and advanced tools like the State Farm® smartphone app. With all these tools, we are able to keep millions of clients pleased with their insurance protection. By choosing State Farm® Insurance, our clients can always feel protected by their insurance provider. State Farm Clermont

Financial Security and Your Insurance Policy

The number of drivers on the road increases each year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. State laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required 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 can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the 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 Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. State Farm Agent Clermont

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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