The FarReaching Benefits of Your Homeowners Insurance Coverage

There are more cars on the road every year. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a small inconvenience and a major hassle. So how do you know which type of insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: It pays for expenses due to personal injury and property damage to others when you are responsible. 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 can also cover your defense and court costs if you are sued. State laws usually require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other policies, such as car rental and emergency road service, are also available. Auto Insurance Quotes Clermont