Purchasing Home Insurance More Than Just Money
The number of cars and drivers on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. The difference between a little bother and large obstacle can be your car insurance. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements vary 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 also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated insurance. 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Other policies, such as car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Clermont