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Insurance and You

There are more drivers hitting the road every year. This could lead to an increased likelihood of a car accident for you and your family. Car insurance can be the difference between a minor inconvenience and a large hassle. But why do you need to own insurance and just how much should you buy? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Every state or province mandates auto insurance by law. Making the decision to drive without 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 paid for under liability insurance. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. All necessary medical or funeral expenses will be covered 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 weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other types of car insurance, like emergency road service and car rental, can also be purchased. Auto Insurance Clermont

Your Home Insurance Coverage Always Working For You

State Farm Jersey Village State Farm® is the best place to protect everything you own. To learn more about all your choices for personal coverage, call a State Farm® agent now. There are various reasons that have made State Farm® the go-to insurance option for people all over the United States. Around the clock client support, a powerful customer management system, advanced tools are just a few of the features State Farm® will provide for your family. With these features along with our unwavering commitment to service, we are striving to provide all of our clients with the best coverage possible. We have built a lot of consumer trust in the State Farm® brand, assuring policy holders to feel comfortable with their insurance company when they submit a claim.