Financial Security and Your Homeowners Coverage

Every year, more cars and drivers are on the highways. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and major pain can be your insurance. How can you decide what insurance you require and where you should go to buy it? Car 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. Without insurance, you risk having to pay the total price of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. It can also cover your defense and court costs if you are sued. State laws typically require minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is occasionally called no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other policies, such as car rental and emergency road service, are also available. State Farm Agent Clermont

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