Your Home Insurance Coverage Always Working For You

The number of drivers on the road increases each and every year. With so many vehicles on the road, accidents can happen. The difference between a little bother and large pain can be your car insurance. So how do you know which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is usually 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 policy is bought, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Groveland