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Buying Home Insurance More Than Just Money

The number of cars and drivers on the road increases every year. This can lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a small setback and a major hassle. But why do you need insurance and just how much should you purchase? Car crashes can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you own. Every state or province mandates auto insurance by law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont