Extensive Homeowners Insurance Policies

You will see more drivers on the road each year. With the increasing number of vehicles on the road, accidents can happen. Car insurance can be the difference between a minor setback and a large trial. But why is insurance required by law and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. State laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other kinds of car insurance, such as emergency road service, can also be purchased. State Farm Agent Clermont