Your Homeowners Insurance Coverage Always Working For You

The amount of cars and drivers on the road increases every year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large obstacle can be your insurance. How can you decide what insurance you need and how you can buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Pays for expenses due to bodily injury and property damage to others for which you are responsible. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, liability insurance will pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is required 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. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, such as emergency road service and car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont