Your Homeowners Insurance Policy Always Working For You

We see more cars on the road each year. This can lead to a higher possibility of a collision. The difference between a little bother and large obstacle can be the car insurance you own. How can you decide what type of insurance you need and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. It can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of insurance. This type of coverage will cover 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 cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including emergency road service, can also be purchased. State Farm Agent Clermont