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To pay for "reasonable and necessary" medical expenses for both you and your passengers there is Personal Injury Protection (PIP) that can be added to your coverage farmer home owner insurance. PIP is not a requirement under Illinois state law but some insurance carriers offer PIP coverage.You can also get Uninsured/Underinsured farmer home owner insurance coverage for any injury that is caused by a driver that does not have auto insurance. This type of coverage is optional as Indiana state law does not require this coverage but you can buy this coverage for additional protection.The Tort system differs from state to state and you should check with your state insurance regulator. For a list of links to all 50 state insurance regulators websites visit farmer home owner insurance's State Regulators page.Auto insurance rates change as years go by and if you do not know about the changes in Indiana you can be paying more in auto insurance that you have to. In 2002 the average auto insurance premium was $742 and the rate increased 3.5% in 2003.In terms of auto insurance there are minimum state requirements for Indiana. Indiana uses a Tort system, which means an individual has to be at fault if there is an auto accident. That person at fault and their insurance carrier are responsible for all the damages as a result of the accident.
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To pay for "reasonable and necessary" medical expenses for both you and your passengers there is Personal Injury Protection (PIP) that can be added to your coverage farmer home owner insurance. PIP is not a requirement under Illinois state law but some insurance carriers offer PIP coverage.
You can also get Uninsured/Underinsured farmer home owner insurance coverage for any injury that is caused by a driver that does not have auto insurance. This type of coverage is optional as Indiana state law does not require this coverage but you can buy this coverage for additional protection.
The Tort system differs from state to state and you should check with your state insurance regulator. For a list of links to all 50 state insurance regulators websites visit farmer home owner insurance's State Regulators page.
Auto insurance rates change as years go by and if you do not know about the changes in Indiana you can be paying more in auto insurance that you have to. In 2002 the average auto insurance premium was $742 and the rate increased 3.5% in 2003.
In terms of auto insurance there are minimum state requirements for Indiana. Indiana uses a Tort system, which means an individual has to be at fault if there is an auto accident. That person at fault and their insurance carrier are responsible for all the damages as a result of the accident.