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Financial Security and Your Homeowners Policy

There are more drivers on the road every year. With countless vehicles on the road, accidents will happen. The difference between a little aggravation and major pain can be your insurance. How can you decide what type of insurance you require and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of property use. If you are in legal trouble, it also pays your court costs. State laws usually require standard amounts, but larger amounts are available and 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont

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