Insurance and How It Helps You

The number of drivers on the road increases each and every year. As this number increases, the chances of a car accident will also go up. Automobile insurance can be the difference between a small setback and a major hassle. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This 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. This insurance may also pay for lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of insurance. This insurance will protect 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. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont

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The FarReaching Benefits of Your Homeowners Insurance Policy

There are more cars and drivers on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you own can make a large difference in what happens next. So how do you know which type of insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and damage to property for which you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont

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