Every year, more cars and drivers hit the roads. This can lead to a higher possibility of a collision. If you get in a car wreck, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much should you get? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are sued, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. 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. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available 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 and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many drivers don't want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont
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