The WideRanging Benefits of Your Homeowners Insurance Coverage

There are more cars hitting the road each year. With countless vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much should you buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. State laws typically require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont

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