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Financial Security and Your Homeowners Policy

There are more drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. The difference between a little aggravation and large pain can be your car insurance. So how can you find out what insurance you need and the quantity you should purchase? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are sued, it also pays your court costs. State laws typically mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other policies, including emergency road service, are also available. Car Insurance Quotes Clermont