Karen Knowler Blog

Your Insurance Coverage Always Working For You

Every year, more cars and drivers are on the roads. With countless vehicles on the road, crashes will happen. Car insurance can make the difference between a small inconvenience and a major trial. But why is insurance necessary and just how much do you need? Auto insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, and specific other incidents, such as robbery. No matter where you live, you are required to purchase some variety of auto insurance. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, 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. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something 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 proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of coverage, such as car rental, are also available. Your car insurance payments vary by 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, gender and marital status * Where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. State Farm Clermont