Your Home Insurance Coverage Always Working For You

There are more drivers hitting the road every year. With countless vehicles on the road, accidents will happen. Car insurance can make the difference between a minor inconvenience and a major hassle. So how do you know what type of car insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: It pays for damages due to personal injury and property damage to others that you have caused. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is commonly called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont