Financial Security and Your Homeowners Policy

Every year, more cars and drivers are on the highways. With so many vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont