Your Home Insurance Coverage Always Working For You

There are more drivers on the road each year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Quotes Clermont