Purchasing Home Insurance More Than Just Money

The amount of cars on the road increases each and every year. With so many vehicles on the road, crashes will happen. The difference between a small bother and large obstacle can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Insurance requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, it also pays your legal fees. State laws usually mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. The minimum amount of this insurance is usually 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. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Other kinds of car insurance, like emergency road service, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * 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. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. State Farm Clermont