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Buying Home Insurance It's Not About The Money

There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision for you and your family. The difference between a small aggravation and major obstacle can be your insurance. But why do you need to own insurance and just how much should you purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. No matter where you live, you are required to purchase some variety of auto insurance. By not purchasing insurance, you run the risk of having to pay the full price of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was responsible for the crash. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other policies, like car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont