Buying Homeowners Insurance About More Than Money

Each year, more drivers travel our roads and freeways. As this number goes up, the chances of a car accident will also go up. If you get in a car accident, the car insurance you have can make a large difference in what happens next. So how do you know what insurance you need and how much to buy? Auto insurance protects you by paying for damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, plus certain other situations, such as burglary. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. 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. It can also pay for 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 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 medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other policies, including emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont