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Your Homeowners Insurance Policy Always Working For You

There are more cars hitting the road every year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. So how do you know what type of car insurance you need and how much to purchase? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. It can also pay for lost earnings, service replacement 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 and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection covers any non-collision damages. This may include flood damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance 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. Other kinds of coverage, such as car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many drivers think they can get by without auto 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, make the decision that best suits you. State Farm Agent Clermont