Your Homeowners Insurance Policy Always Working For You

The number of cars and drivers on the road increases every year. This can lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the auto insurance you own can make a large difference in what happens next. So how do you know what insurance you need and how much you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are sued, it also pays your legal fees. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. 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. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other kinds of coverage, such as car rental, can also be purchased. State Farm Agent Clermont