Insurance and How It Helps You

We see more drivers on the road every year. This can lead to an increased likelihood of a collision. Car insurance can be the difference between a small setback and a major hassle. So how do you know what type of car insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the accident. It is sometimes called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. If this type of coverage has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, including car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont