World Insurance Associates LLC

Auto policies can include several different coverages. A few coverages that are available through most policies as either standard or optional protections include: Personal Injury Protection (PIP), which might cover injuries that a driver or their passengers sustain during an accident; Bodily Injury Liability, which may cover injuries that people outside of a driver’s vehicle sustain during an accident; Comprehensive and Collision Coverage, which usually cover a driver’s vehicles in a variety of situations; Property Damage Liability Coverage, which may cover damage that a driver causes to other people’s property; and Underinsured and Uninsured Motorist Coverage, which might cover accidents that are caused by other drivers who aren’t adequately insured. Along with these common coverages, some insurance companies also offer emergency roadside assistance, rental coverage, or other protections as optional add-ons.

Most people who own a house should have home insurance. Homeowners who have a mortgage on their house are often required by their lender to maintain a minimum level of structural coverage, so the lender’s interest in the home is protected even if the house is destroyed. Even homeowners who own their house outright, however, may still want to carry a homeowners policy. For, few people could afford to replace their home if it was destroyed.