The FarReaching Benefits of Your Homeowners Insurance Coverage

There are more drivers hitting the road every year. This can lead to an increased likelihood of a car accident for you and your family. The difference between a small bother and major pain can be the car insurance you have purchased. So how do you know what insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. If you buy this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont