The FarReaching Benefits of Your Home Insurance Coverage

Every year, more drivers travel the highways. As this number increases, the chances of a car collision will also go up. Car insurance can be the difference between a small inconvenience and a major trial. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to bodily injury and property damage to others that you are responsible for. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. Local government usually sets minimum amounts. 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. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. State Farm Clermont