The FarReaching Benefits of Your Homeowners Insurance Policy

Every year, more automobiles and drivers travel the roads. As this number increases, the possibility of accidents also increases. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is commonly called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. If you purchase this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many drivers think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont