Your Home Insurance Policy Always Working For You

Each year, more cars and drivers are on the highways. As this number goes up, the chances of a car accident will also go up. Automobile insurance can make the difference between a minor inconvenience and a major trial. But why is insurance required by law and just how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It also covers your defense and court costs if you are sued. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont