The FarReaching Benefits of Your Homeowners Insurance Coverage

There are more cars hitting the road every year. With countless vehicles on the road, crashes can happen. Car insurance can be the difference between a small setback and a large trial. But why do you need to own insurance and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is typically set by local government. 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. If you buy this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. State Farm Agent Clermont