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The WideRanging Benefits of Your Home Insurance Policy

Every year, more cars and drivers hit our roads and freeways. This could lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the car insurance you own can make a big difference in what happens next. How can you decide what insurance you need and how you can buy it? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. 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. This insurance can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of car insurance, including emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many drivers think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. State Farm Clermont