Karen Knowler Blog

The FarReaching Benefits of Your Home Insurance Coverage

Every year, more cars hit America's roads. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a minor inconvenience and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Auto insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other incidents, such as theft. Every state or province requires auto insurance by law. By not purchasing insurance, you risk having to pay the total cost of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other types of car insurance, such as emergency road service, can also be purchased. Auto Insurance Quotes Clermont