Purchasing Homeowners Insurance About More Than Money

Each year, more drivers hit America's roads. As this number goes up, the chances of a car collision will also increase. The difference between a little bother and major obstacle can be the car insurance you have purchased. 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 coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is occasionally called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * 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 crisis. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont