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Your Homeowners Insurance Coverage Always Working For You

You will see more and more cars on the road each year. This can lead to an increased likelihood of a car accident. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. So how can you find out what type of car insurance you need and how much to purchase? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically mandate standard amounts, but larger 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. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. 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