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Buying Home Insurance About More Than Money

Every year, more automobiles and drivers hit America's roads. This could lead to an increased likelihood of a car accident for you and your family. The difference between a small aggravation and major obstacle can be car insurance. So how do you know what insurance you need and how much you should buy? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is commonly called no-fault coverage. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, like car rental, are also available. State Farm Agent Clermont