Extensive Homeowners Insurance Coverage

There are more drivers on the road every year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. But why do you need to own insurance and exactly how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. By not purchasing insurance, you risk having to pay the total cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. 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 pay for lost wages, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Insurance Clermont