Comprehensive Home Insurance Policies

There are more drivers on the road every year. This could lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Auto insurance protects you by paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and certain other occurrences, such as theft. Every state and province requires auto insurance by law. By not owning insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is sometimes referred to as no-fault coverage. Local law 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. If this policy has been purchased, the insured person will receive coverage for all types of medical or funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of coverage, like emergency road service, can also be purchased. Auto Insurance Clermont