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The FarReaching Benefits of Your Homeowners Insurance Policy

You will see more and more cars on the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major pain can be your car insurance. So how do you know what type of car insurance you need and how much to purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: It pays for expenses due to personal injury and property damage to others when you are responsible. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. It may also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other kinds of coverage, such as car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired 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 drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont