Commercial Insurance

Purchasing Insurance Protection About More Than Money

Let’s get your household covered. To learn more about all your choices for policies, call a State Farm® agent now. Along with our professional State Farm® agents, our clients also receive 24-hour customer support, a dedicated online customer account management system, and tech tools like the State Farm® smartphone app. With these features along with our unwavering commitment to service, we are striving to provide all of our clients with the best protection they can receive. It’s easy for our clients to feel secure about their insurance provider when they work with State Farm®. Commercial Insurance 77034

Extensive Insurance Coverage

We see more and more drivers on the road each year. With so many vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you own can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Every state or province mandates automobile insurance by law. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is required in some states and optional in others. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. It pays for an insured person’s reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some people don’t want to pay for auto insurance, but it is truly something you don’t want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Commercial Insurance 06811

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