Purchasing Homeowners Insurance About More Than Money

Each year, more cars and drivers travel the highways. With countless vehicles on the road, crashes will happen. The difference between a small aggravation and large pain can be automobile insurance. So how do you know what insurance you need and the quantity you should purchase? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for damages due to bodily injury and property damage to others that you have caused. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Local laws typically require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. This insurance can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, like car rental, are also available. Insurance Clermont