Your Home Insurance Policy Always Working For You

We see more drivers on the road each year. This could lead to a higher possibility of a car accident. Car insurance can be the difference between a minor setback and a large trial. So how do you know what insurance you need and the quantity you should purchase? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, liability insurance can pay for your defense and court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. 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: 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 is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other policies, like car rental, are also available. State Farm Clermont