Your Homeowners Insurance Coverage Always Working For You

Every year, more cars travel our roads and freeways. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. How can you decide what insurance you need and how you can buy it? Required coverage varies based on the state/province but usually includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. It also covers your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other policies, including emergency road service, are also available. Golf Cart Insurance Clermont