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Buying Home Insurance It's Not About The Money

There are more cars and drivers on the road each year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are sued, liability insurance will pay for your legal fees. State laws usually mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If this type of coverage is purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, such as emergency road service and car rental, can also be purchased. State Farm Clermont

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