The FarReaching Benefits of Your Home Insurance Coverage

The amount of drivers on the road increases each year. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car accident, the car insurance you have can make a large difference in what happens next. But why do you need insurance and just how much should you buy? Car accidents can result in a variety of different expenses, which your car insurance might be able to pay for based on the type of coverage you own. Every state and province mandates automobile insurance by law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, this type of insurance will pay for your defense and court costs. State laws typically mandate minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may have been at fault. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, such as emergency road service, are also available. State Farm Clermont