Extensive Home Insurance Policies

Every year, more cars hit our roads and freeways. As this number goes up, the chances of a car collision will also go up. The difference between a small bother and large pain can be the car insurance you have purchased. But why do you need to own insurance and just how much should you purchase? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the collision. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, such as car rental, can also be purchased. State Farm Clermont