The FarReaching Benefits of Your Home Insurance Coverage

The amount of drivers on the road increases each and every year. This could lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the auto insurance you have can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher 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. State government typically sets minimum amounts. 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 type of policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont