Extensive Home Insurance Policies

Each year, more automobiles and drivers are on the highways. This can lead to an increased likelihood of a collision. Car insurance can be the difference between a small inconvenience and a large trial. So how do you know what type of car insurance you need and the quantity you should purchase? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. State laws usually mandate minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral costs. 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 regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: This pays for damage to your car caused by a collision. Comprehensive: This kind of insurance covers all non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. State Farm Clermont