The FarReaching Benefits of Your Home Insurance Coverage

Every year, more drivers travel our roads and freeways. As this number increases, the chances of a car collision will also go up. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Insurance requirements will differ by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the crash. It is commonly called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. It pays for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont