Purchasing Homeowners Insurance About More Than Money

There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small setback and a large hassle. How can you determine what insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your court costs. State laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other policies, including car rental, are also available. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. State Farm Clermont