Your Homeowners Insurance Coverage Always Working For You

We see more and more drivers on the road each year. As this number increases, the chances of a car accident will also go up. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. How can you decide what type of insurance you require and where you should go to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is occasionally called no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Quotes Clermont

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