Insurance and How It Helps You

There are more drivers on the road each year. With the increasing number of vehicles on the road, accidents are going to happen. Automobile insurance can make the difference between a small setback and a large hassle. But why do you need insurance and exactly how much should you buy? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, plus certain other occurrences, such as robbery. Auto insurance is required by law in all states and provinces. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are sued, it also pays your court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Other kinds of coverage, such as car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected 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 drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Insurance Clermont


Extensive Home Insurance Policies

State Farm® is the best place to protect you and your family. With a local State Farm® agent working with you, it's easy to review all your choices and choose the insurance policy that fits you best. There are multiple reasons that have made State Farm® the most popular insurance choice for people all over the United States. Not only do we have thousands of experienced agents all over the country, our company has around-the-clock customer service, a highly-rated online customer account management system, innovative tools like the State Farm® app, and a sterling reputation for customer care. With over 40 million policy holders, it's essential to maintain a consistent level of service. It's easy for our clients to feel secure about their insurance provider when they work with State Farm®. Car Insurance Groveland