Writing Hustler

Auto Insurance and You

We see more and more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. How can you decide what type of insurance you require and where you should go to buy it? Car insurance provides you with protection from covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus certain other incidents, such as theft. Your state or province definitely requires some type of car insurance. Without insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: This kind of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. State laws usually mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. 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 coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont

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