Your Insurance Policy Always Working For You

There are more cars and drivers on the road each year. As this number goes up, the chances of a car wreck will also increase. The difference between a little bother and large obstacle can be the car insurance you own. But why do you need to own insurance and just how much should you purchase? Required coverage varies by state/province but usually includes the following: Liability: It pays for expenses due to personal injury and damage to property for which you are responsible. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is commonly called no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Golf Cart Insurance Clermont