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Buying Home Insurance More Than Just Money

Each year, more cars and drivers hit our roads and freeways. With countless vehicles on the road, accidents will happen. Automobile insurance can be the difference between a minor inconvenience and a large hassle. How can you decide what insurance you need and how you can buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, this type of insurance will pay for your legal fees. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont

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