The WideRanging Benefits of Your Homeowners Insurance Policy

Every year, more drivers travel the highways. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need to own insurance and exactly how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you are living, you are required to buy some type of auto insurance. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance covers all non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of coverage, including emergency road service, can also be purchased. State Farm Clermont