Your Homeowners Insurance Policy Always Working For You

There are more cars hitting the road each year. This could lead to a higher possibility of a collision. Automobile insurance can be the difference between a minor setback and a large trial. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the total cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Pays for damages due to bodily injury and damage to property that you have caused. It can also cover your defense and court costs if you are sued. State laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont