Your Home Insurance Policy Always Working For You

There are more cars on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small inconvenience and a large hassle. But why do you need insurance and just how much should you get? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If this policy is purchased, the insured person will receive coverage for necessary medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance covers all non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers 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. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont