The WideRanging Benefits of Your Homeowners Insurance Coverage

Every year, more cars and drivers hit our roads and freeways. With so many vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you need and how you can purchase it? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your defense and court costs. State laws usually mandate standard amounts, but higher amounts are available and extremely helpful. 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance covers all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, like emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont