Comprehensive Homeowners Insurance Coverage
There are more cars and drivers on the road every year. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other policies, such as car rental, are also available. State Farm Agent Clermont