Comprehensive Homeowners Insurance Policies

The number of drivers on the road increases each and every year. As this number goes up, the chances of a car wreck will also go up. The difference between a small aggravation and large obstacle can be your insurance. So how do you know what insurance you need and how much to buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of car insurance, such as emergency road service, are also available. State Farm Clermont