The WideRanging Benefits of Your Home Insurance Coverage

There are more drivers on the road each year. This can lead to a higher possibility of a collision. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why is insurance important and just how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, it also pays 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: This is mandated 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 can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: * Which policies you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Auto Insurance Quotes Clermont