The FarReaching Benefits of Your Home Insurance Policy

We see more drivers on the road each year. As this number increases, the chances of a car collision will also go up. Car insurance can make the difference between a minor inconvenience and a major hassle. So how can you find out what type of car insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of coverage, including emergency road service, can also be purchased. Auto Insurance Quotes Clermont