Your Homeowners Insurance Policy Always Working For You

There are more cars and drivers on the road each year. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor inconvenience and a major hassle. How can you decide what insurance you need and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, liability insurance can pay for your legal fees. Local laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance 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 may also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other policies, including emergency road service, are also available. Auto Insurance Quotes Clermont

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