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Your Home Insurance Policy Always Working For You

There are more cars and drivers hitting the road every year. As this number goes up, the chances of a car wreck will also increase. Car insurance can be the difference between a small inconvenience and a large trial. How can you determine what type of insurance you need and where you should go to buy it? Car insurance provides you with protection from covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, and specific other situations, such as robbery. No matter where you are living, you are required to purchase some type of car insurance. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. If this type of coverage is purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: * Which policies you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont