Your Homeowners Insurance Policy Always Working For You

Every year, more cars and drivers hit the highways. With so many vehicles on the road, accidents will happen. Automobile insurance can make the difference between a minor setback and a large trial. But why do you need insurance and just how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for damages due to personal injury and damage to property for which you are responsible. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. 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 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: This kind of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, such as car rental, can also be purchased. State Farm Agent Clermont