Extensive Home Insurance Policies

Every year, more drivers travel the highways. As this number goes up, the chances of a car collision will also increase. Car insurance can make the difference between a small inconvenience and a large hassle. So how can you figure out which type of insurance you need and how much to buy? Car insurance protects you by paying for injury or damage you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from an accidents, plus certain other incidents, such as robbery. Every state or province requires auto insurance by law. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other types of car insurance, such as emergency road service, can also be purchased. State Farm Clermont