Your Homeowners Insurance Policy Always Working For You

The number of cars and drivers on the road increases every year. This can lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a small setback and a large hassle. How can you decide what insurance you need and how you can purchase it? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of coverage you own. Without insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, this type of insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection 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. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of coverage, including car rental, can also be purchased. State Farm Agent Clermont