Financial Security and Your Homeowners Policy

The number of drivers on the road increases every year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the car insurance you have can make a big difference in what happens next. How can you decide what insurance you need and how you can buy it? Car insurance protects you by covering the cost of injury or damage you cause others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, plus specific other incidents, such as burglary. By not purchasing insurance, you risk having to pay the total price of any harm you cause others. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are sued, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If you buy this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having 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: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other policies, like car rental and emergency road service, are also available. State Farm Agent Clermont