Comprehensive Home Insurance Coverage

We see more cars on the road every year. This can lead to a higher possibility of a car accident. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much should you get? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. State government usually sets minimum amounts. 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 you purchase this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance coverage. Other types of coverage, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont