Financial Security and Your Home Insurance Policy

There are more drivers hitting the road every year. As this number increases, the chances of a car accident will also go up. The difference between a little bother and major obstacle can be the car insurance you own. But why is insurance important and just how much should you get? Auto insurance provides you with protection from covering the cost of injury or damage you cause others while you are driving, damage to your car or personal injury or injury to your passengers from an accidents, and specific other incidents, such as robbery. Every state and province requires car insurance by law. Without insurance, you risk having to pay the full cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance covers all non-collision damages. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other types of car insurance, such as car rental, are also available. Car Insurance Quotes Clermont