Comprehensive Home Insurance Coverage

The amount of cars and drivers on the road increases every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a small setback and a major hassle. But why do you need insurance and just how much should you buy? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for expenses due to bodily injury and damage to property for which you are responsible. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. State Farm Agent Clermont