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Financial Security and Your Homeowners Policy

There are more drivers on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a big difference in the experience you have. But why is insurance important and just how much do you need? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Automobile insurance is required by state law. By not purchasing insurance, you run the risk of having to pay the total price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for damages due to bodily injury and damage to property when you are responsible. If you are in legal trouble, it also pays your defense and court costs. State laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. 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 required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont