Your Homeowners Insurance Coverage Always Working For You

The number of cars and drivers on the road increases each year. This could lead to a higher possibility of a collision for you and your family. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. How can you decide what insurance you require and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. It may also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont