Your Homeowners Insurance Policy Always Working For You

The amount of cars on the road increases each year. This can lead to a higher possibility 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. But why do you need to own insurance and exactly how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: It pays for damages due to personal injury and damage to property that you have caused. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. If this type of coverage has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, including car rental, are also available. Golf Cart Insurance Clermont