Buying Homeowners Insurance About More Than Money

There are more drivers on the road each year. As this number increases, the chances of a car wreck will also increase. The difference between a small bother and large pain can be the car insurance you have purchased. But why do you need insurance and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for damages due to bodily injury and damage to property for which you are responsible. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. If this type of coverage is bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other types of coverage, like emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont