Purchasing Home Insurance About More Than Money

There are more drivers on the road every year. As this number increases, the possibility of accidents also increases. The difference between a small bother and major obstacle can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was responsible for the accident. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically 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. It pays for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: 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: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other policies, such as emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. State Farm Clermont