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state farm insurance-Jeffersontown

Date Added: May 05, 2012 03:15:22 AM
Author: Local SF Agents KY
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state farm insurance Jeffersontown KY There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. So how do you know what insurance you need and how much to buy? Car insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from a crash, plus specific other occurrences, such as theft. Car insurance is required by law in all states and provinces. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. 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. It may also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical payments: This coverage is available in non-no-fault states; it pays despite who may have been at fault. It pays for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, research your options and with the guidance of your insurance agent make the decision that best suits you. Vehicle Insurance