Your Homeowners Insurance Coverage Always Working For You

There are more cars and drivers hitting the road each year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you buy? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. If you are sued, liability insurance will pay for your legal fees. Local laws usually mandate standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral costs. Local law 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 policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other types of car insurance, like emergency road service, are also available. State Farm Agent Clermont