Comprehensive Homeowners Insurance Policies

Every year, more drivers travel the highways. With so many vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how to purchase it? Car insurance provides you with protection from covering the cost of damage or injury you cause others while you are driving, damage to your vehicle or injury to you or your passengers from an accidents, plus specific other situations, such as robbery. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. It may also pay for lost wages, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers all non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. 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, gender and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. State Farm Agent Clermont