Each year, more cars and drivers are on the roads. With so many vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small setback and a major hassle. How can you determine what insurance you need and where you should go to buy it? Car insurance protects you by covering the cost of damage caused to your car or another person's car and injury to others, yourself, or your passengers, and certain other occurrences, such as robbery. By not purchasing insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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 can also cover lost earnings, replacement of services and funeral costs. 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; it pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other policies, such as emergency road service, are also available. State Farm Clermont

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We see more cars on the road each year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small inconvenience and a major hassle. But why is insurance necessary and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Without insurance, you run the risk of having to pay the full price of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the crash. It is sometimes referred to as no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If you buy this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the right amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont

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