The WideRanging Benefits of Your Home Insurance Coverage
There are more drivers hitting the road each year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are 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. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont