Comprehensive Homeowners Insurance Coverage

Each year, more drivers travel America's roads. With so many vehicles on the road, crashes will happen. Automobile insurance can make the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. It may also cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, are also available. State Farm Agent Clermont