Your Homeowners Insurance Policy Always Working For You

Every year, more automobiles and drivers travel the roads. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a minor setback and a large hassle. So how do you know what type of car insurance you need and how much to purchase? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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 this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Other policies, like car rental and emergency road service, are also available. State Farm Clermont