Extensive Home Insurance Policies
- 11 27, 2020
- |Insurance Brokers
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There are more cars hitting the road each year. As this number increases, the chances of a car accident will also go up. The difference between a small aggravation and major pain can be car insurance. So how can you figure out what insurance you need and how much you should buy? Auto insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, and certain other occurrences, such as robbery. Without insurance, you run the risk of having to pay the total price of any harm you cause others. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, liability insurance will pay for your defense and court costs. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also cover lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. 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. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including emergency road service, are also available. State Farm Clermont