Your Homeowners Insurance Coverage Always Working For You

There are more cars and drivers hitting the road each year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major pain can be your car insurance. So how do you know what insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: Pays for damages due to bodily injury and damage to property where you are responsible. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically 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. If this type of coverage has been bought, the insured person will receive payment for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other policies, like car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you should never be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont