Comprehensive Homeowners Insurance Coverage

The number of cars on the road increases each year. With countless vehicles on the road, accidents are going to happen. Car insurance can make the difference between a small setback and a large hassle. So how do you know which type of insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for damages due to personal injury and damage to property where you are responsible. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Other kinds of car insurance, including car rental, can also be purchased. State Farm Clermont