Organic Connexions

Buying Home Insurance About More Than Money

There are more cars and drivers hitting the road every year. This can lead to a higher possibility of a car accident for you and your family. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, including emergency road service, are also available. Car Insurance Quotes Clermont