Financial Security and Your Homeowners Policy

We see more drivers on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small inconvenience and a major hassle. So how can you find out what insurance you need and how much to buy? Car crashes can lead to many different expenses, which your insurance can pay for based on the type of coverage you own. No matter where you are living, you are required to purchase some variety of car insurance. Without insurance, you risk having to pay the full price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is commonly called no-fault coverage. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont