The FarReaching Benefits of Your Home Insurance Policy

Every year, more cars and drivers hit the highways. With so many vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and just how much should you purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont