Your Homeowners Insurance Policy Always Working For You
The number of drivers on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a minor setback and a major trial. But why do you need to own insurance and exactly how much should you buy? Auto insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from an accidents, plus specific other occurrences, such as robbery. Your state or province definitely requires some type of car insurance. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of car insurance, including emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont