The FarReaching Benefits of Your Home Insurance Coverage

We see more and more cars on the road each year. As this number goes up, the chances of a car accident will also increase. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. How can you decide what insurance you need and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Without insurance, you risk having to pay the total cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are sued, it also pays your defense and court costs. State laws usually require minimum amounts, but higher amounts can be purchased and are extremely helpful. 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 accident. It is commonly called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased 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 coverage. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other policies, including car rental, are also available. Auto Insurance Clermont