Your Homeowners Insurance Coverage Always Working For You

There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes can happen. Car insurance can make the difference between a small inconvenience and a major hassle. How can you decide what type of insurance you need and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. This insurance can also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of car insurance, including emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. State Farm Agent Clermont