Your Home Insurance Policy Always Working For You

Every year, more automobiles and drivers hit our roads and freeways. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. But why do you need insurance and exactly how much should you purchase? Required coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Local laws usually require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. If this policy has been purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. 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 in accidents involving those drivers. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. State Farm Agent Clermont