The WideRanging Benefits of Your Homeowners Insurance Policy

You will see more and more cars on the road every year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major obstacle can be the car insurance you have purchased. So how do you know what insurance you need and how much to purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, including emergency road service, are also available. State Farm Clermont