The FarReaching Benefits of Your Homeowners Insurance Policy

The number of drivers on the road increases each year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Car accidents can lead to a variety of different expenses, which your car insurance can pay for based on the type of coverage you own. No matter where you are living, you will need to purchase some variety of auto insurance. By not owning insurance, you run the risk of having to pay the full price of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is sometimes called no-fault coverage. It can also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy is purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Groveland