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Comprehensive Home Insurance Policies

Each year, more cars and drivers hit America's roads. This could lead to a higher possibility of a collision for you and your family. If you get in a car crash, the car insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, it also pays your court costs. State laws usually mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This is required 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 this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Clermont

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