Comprehensive Homeowners Insurance Policies

The number of drivers on the road increases each year. This can lead to a higher possibility of a collision for you and your family. The difference between a little aggravation and major pain can be your insurance. How can you decide what insurance you require and how you can purchase it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. By not owning insurance, you risk having to pay the total cost of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your legal fees if you are sued. State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance 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. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like emergency road service and car rental, are also available. State Farm Clermont

[Top]