The WideRanging Benefits of Your Homeowners Insurance Policy

Each year, more drivers hit our roads and freeways. With so many vehicles on the road, accidents are going to happen. Car insurance can make the difference between a small setback and a large trial. How can you decide what insurance you require and how to purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of coverage, like emergency road service, are also available. Auto Insurance Clermont