Purchasing Home Insurance About More Than Money

The amount of cars on the road increases every year. As this number increases, the chances of a car accident will also go up. Car insurance can be the difference between a minor inconvenience and a major hassle. How can you determine what insurance you need and how to buy it? Car accidents can lead to a variety of different expenses, which can all be paid for based on the type of coverage you have purchased. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Pays for damages due to bodily injury and damage to property that you are responsible for. Damages from bodily injury include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. It can also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other policies, including emergency road service, are also available. Auto Insurance Quotes Clermont

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