Comprehensive Homeowners Insurance Policies

Every year, more cars and drivers are on the highways. This could lead to a higher possibility of a car accident. The difference between a little aggravation and major obstacle can be car insurance. So how can you find out what type of car insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover more events 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 crash. It is required in some states and optional in others. It may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may be responsible. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Clermont