Comprehensive Homeowners Insurance Policies

The amount of cars on the road increases each year. As this number increases, the chances of a car accident will also go up. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what insurance you require and how you can purchase it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not purchasing insurance, you run the risk of having to pay the total price of the harm or injury you cause others. 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. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland