Your Home Insurance Policy Always Working For You

There are more drivers hitting the road each year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you have can make a large difference in what happens next. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your court costs. State laws typically mandate minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This is mandated 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. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance coverage. Other policies, like car rental and emergency road service, are also available. State Farm Clermont