Insurance and What It Means To You

There are more cars and drivers hitting the road every year. With countless vehicles on the road, crashes can happen. Car insurance can be the difference between a small inconvenience and a large trial. So how do you know what type of car insurance you need and how much to buy? Required coverage varies based on the state/province but typically includes the following: Liability: Pays for expenses due to bodily injury and damage to property when you are responsible. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of car insurance, including emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont