Purchasing Insurance It's Not About The Money

Every year, more cars travel America's roads. With so many vehicles on the road, crashes will happen. Car insurance can make the difference between a small setback and a large hassle. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Local laws usually mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This 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. It can also pay for lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont