Comprehensive Homeowners Insurance Policies

Every year, more cars hit America's roads. This can lead to a higher possibility of a collision for you and your family. Automobile insurance can make the difference between a small inconvenience and a large hassle. But why do you need insurance and exactly how much should you purchase? Car accidents can result in many different expenses, which your insurance might be able to pay for based on the insurance policy you own. Every state or province mandates automobile insurance by law. By not purchasing insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If this policy has been purchased, the insured person will receive coverage for all types of medical or funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, including emergency road service and car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you should never be on the road without it. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont