Your Homeowners Insurance Policy Always Working For You

There are more drivers hitting the road every year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other policies, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. State Farm Clermont