The Binder Blog

There are more drivers on the road every year. With countless vehicles on the road, accidents will happen. Automobile insurance can be the difference between a small setback and a major trial. But why is insurance important and just how much should you buy? Your 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. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was responsible for the crash. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Don’t wait around to buy auto insurance; you shouldn’t drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Home Insurance Cary

Let’s get your family covered. Contact us now and we will help you look at policies. With several customer-friendly features available, State Farm® Insurance has helped numerous individuals and families with their insurance needs. In addition to having over 17,000 well-educated agents throughout the country, our company has 24-hour customer support, a highly-rated online customer management system, tech tools like the State Farm® app, and an unequaled reputation for customer care. With these tools along with our unwavering commitment to service, we are striving to provide all of our clients with the best coverage possible. Feeling protected comes naturally to our clients when they choose State Farm®. Home Insurance Cary

There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car collision will also go up. Car insurance can be the difference between a minor inconvenience and a large trial. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is commonly called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. If you purchase this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other types of coverage, including car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Don’t wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Home Insurance Cary

Let State Farm® get your family protected. Contact a State Farm® agent and we can help you compare your options. More people buy home insurance from State Farm® Insurance than any other agency. Our customer support network can be accessed via phone or the Internet and is available 24 hours a day, 365 days a year. From everyday safety items like fire and burglar alarms to multiple-line policies, your State Farm® agent will help you save money on your home insurance with a variety of different discounts. State Farm® is chosen by our clients for a number of reasons. In addition to having over 17,000 well-educated agents nationwide, our company has 24-hour customer support, a powerful customer management system, advanced tools like the State Farm® app, and a superb reputation for customer care. It’s easy for our clients to feel secure about their insurance provider when they choose State Farm®. Home Insurance Durham

Protect yourself and your family by using State Farm® Insurance. To learn more about all your options for personal coverage, contact your neighborhood State Farm® agency today. State Farm® is chosen by our clients for a number of reasons. Along with our professional State Farm® agents, our customers also receive 24-hour customer support, a dedicated customer management system, and advanced tools like the State Farm® app. It is impossible to keep more than 40 million clients happy unless you have maintained a consistent level of service. Feeling protected comes naturally to our clients when they choose State Farm®. Insurance Agents 45385