There are more cars on the road every year. This can lead to an increased likelihood of a collision. Car insurance can make the difference between a small setback and a major trial. But why is insurance important and just how much do you need? Auto insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, plus certain other incidents, such as robbery. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. If you are sued, it also pays your legal fees. State laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. 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. This insurance can also pay for lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If this policy is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont
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