Comprehensive Homeowners Insurance Policies

The number of drivers on the road increases each year. With countless vehicles on the road, crashes are going to happen. Automobile insurance can be the difference between a minor inconvenience and a major hassle. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. If you are sued, liability insurance will pay for your legal fees. State laws usually require minimum amounts of liability insurance, but larger amounts are available and very beneficial. 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. This insurance may also cover lost wages, replacement of services and funeral costs. State government usually 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 necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Other policies, like car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: * Which policies you select * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. State Farm Clermont