Purchasing Homeowners Insurance About More Than Money

You will see more and more cars on the road each year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much do you need? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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 law typically sets minimum amounts. Medical Payments: This 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 covered under this insurance coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Other policies, including car rental, are also available. State Farm Agent Clermont