The WideRanging Benefits of Your Homeowners Insurance Policy

We see more and more cars on the road every year. With countless vehicles on the road, crashes will happen. The difference between a small bother and major pain can be the car insurance you own. But why do you need insurance and just how much should you get? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for damages due to bodily injury and damage to property that you are responsible for. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are sued, liability insurance can pay for your legal fees. Local laws typically mandate minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other kinds of coverage, like car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont