Luther Records

Insurance and What It Means To You

Every year, more cars and drivers travel the highways. With so many vehicles on the road, crashes can happen. Automobile insurance can make the difference between a minor inconvenience and a major hassle. So how can you find out what insurance you need and how much to buy? Car crashes can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you own. Auto insurance is mandated by law in all states and provinces. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. It may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance protection. Other types of coverage, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple 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 Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Clermont

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