Your Home Insurance Policy Always Working For You

There are more cars hitting the road every year. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and large pain can be your insurance. But why do you need insurance and exactly how much should you buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the crash. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. If this type of coverage is bought, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the right amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont