Comprehensive Homeowners Insurance Coverage

The number of cars and drivers on the road increases each year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a major trial. How can you determine what insurance you require and how to purchase it? Car crashes can result in many different expenses, which your insurance might be able to pay for based on the type of insurance you have purchased. Choosing to drive without insurance could mean you have 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 this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It also covers your legal fees if you are sued. State laws typically require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. 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 covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. Golf Cart Insurance Clermont