Comprehensive Home Insurance Policies

Each year, more drivers hit our roads and freeways. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can make the difference between a small setback and a large hassle. So how do you know what insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are sued, liability insurance will pay for your legal fees. Local laws usually require standard amounts, but larger amounts can be purchased and are extremely helpful. 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. This insurance can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive payment for necessary medical or funeral costs. Collision: 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 weather damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the right amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, like emergency road service, can also be purchased. Auto Insurance Clermont