Your Homeowners Insurance Coverage Always Working For You

Each year, more automobiles and drivers are on the highways. With the increasing number of vehicles on the road, accidents can happen. The difference between a little bother and large pain can be your insurance. How can you determine what insurance you need and where you should go to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, it also pays your court costs. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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 cover lost wages, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other policies, including car rental and emergency road service, are also available. State Farm Clermont