Comprehensive Home Insurance Policies

We see more and more drivers on the road every year. This can lead to a higher possibility of a car accident. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. But why is insurance required by law and just how much should you get? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance 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 typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Clermont