Your Home Insurance Coverage Always Working For You
There are more cars and drivers hitting the road each year. With so many vehicles on the road, crashes can happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, like emergency road service and car rental, are also available. Car Insurance Quotes Clermont