The WideRanging Benefits of Your Home Insurance Coverage

The number of cars on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance can also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other policies, like emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place 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, research your options, and with the guidance of your insurance agency, choose the option that best suits you. State Farm Clermont