Why Paying For Car Insurance is Worth Every Dollar

We see more cars on the road each year. With countless vehicles on the road, crashes will happen. Car insurance can make the difference between a minor setback and a large trial. But why do you need insurance and just how much do you need? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Car insurance is mandated by law in all states and provinces. By not owning insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many people may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. State Farm Clermont