How are you covered in case of an accident?

You were distracted while backing out of a parking space and didn't see the car behind you until it was too late. You hit the car and you crashed through a fence, too.

Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure.

50% rgb(255, 255, 255); color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 18px; margin-bottom: 8px;"> <br>Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible.<br>

<br>If you're sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover.<br>

<br>Liability Property Damage covers damage to property and loss of its use.<br>

<br>How much coverage do you need?


Every state sets a minimum coverage level.<br><br> Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it's impossible to know the most you'd have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you'd be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more likely it is that we'll be able to pay all of the damages for you.<br><br>Limits higher than the state minimum might be the best choice for you.<br>

How are you covered in case of an accident?

<b>It's only a fender-bender, but the cost of the headlight, a new bumper, and a paint job can add up quickly. <b>
<b>Collision Coverage will pay for damage to a covered vehicle caused by the following, subject to a deductible:<b>

• <b>Collision with another vehicle<b>
• <b>Collision with an object<b>
• <b>A vehicle rollover<b>
• 
  

<b>How high should your deductible be?<b>

<b>Higher deductibles lower your premium but increase the amount you'll have to pay out of your own pocket at the time of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums.<b>

How are you covered in case of an accident?

<b>Who'd have thought that little hailstones could do so much damage? Your car is covered with dozens of dents.<b><b> This comprehensive coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Typically, that's coverage for the following, and it may be subject to a deductible.<b>

<b>Fire<b>
<b>Wind<b>
<b>Hail<b>
<b>Flood<b>
<b>Vandalism<b>
<b>Theft<b>
<b>Hitting an animal<b>

<b>How high should your deductible be?<b>

<b>Higher deductibles lower your premium but increase the amount you'll have to pay out of your own pocket in case of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums.<b>

How are you covered in case of an accident?

<b>It's a sad fact: There are people who drive without any liability insurance.<b><b>
What if you're injured in an accident caused by one of these drivers? Uninsured Motorist Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.<b>

<b>Should you get this coverage?<b>

<b>Doing so lets you decide how much auto insurance coverage is potentially available to pay for your covered damages when you are in an accident caused by an uninsured motor vehicle.

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<b>How are you covered in case of an accident?<b>

<b>Many drivers carry low limits of liability coverage. What if you're injured in an accident caused by an underinsured driver? Underinsured Vehicle Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.<b>

<b>Should you get this coverage?<b>

<b>Doing so lets you decide how much auto insurance coverage is available for your covered damages when you are in an accident caused by an underinsured motor vehicle.<b>

How are you covered in case of an accident?

<b>Your car is in the shop after a collision. Rental Reimbursement pays the cost of renting a replacement vehicle so you don't have to interrupt your daily routine. Daily allowances or limits vary by state.<b>

<b>Should you get this coverage?<b>

<b>Consider how you'd get to work, school, or the store if your car were out of commission. If you depend on having a car available, could you afford to pay for a rental car yourself without this auto insurance coverage?<b>

iv style="background: 0px 50% rgb(255, 255, 255); color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 18px; margin-bottom: 8px;"> <b>How are you covered?<b>

<b>Emergency Road Service provides towing your vehicle to a repair facility, mechanical labor at the place of breakdown when your vehicle becomes disabled, pulling your vehicle out of a location where it is stuck, delivery of gas or oil, assistance with changing a tire, a jumpstart and locksmith services. You can call 877-627-5757 for roadside assistance.<b>

<b>If you have Coverage H (Emergency Road Service), you will not bear the up-front financial burden as State Farm will be billed directly for basic service. If you do not have Coverage H, you will need to pay for the services but will do so at a competitive rate negotiated by State Farm. This rate will usually be less than what is available in the market. If you pay for the services, you can submit the receipt to your agent for reimbursement consideration. Coverage limits vary by state.<b>

<b>Should you get this coverage?<b>

<b>Consider how much you could afford to pay out of your own pocket if you were stranded without this auto insurance coverage.<b>