Comprehensive Homeowners Insurance Policies

The amount of cars and drivers on the road increases every year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Auto Insurance Clermont

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