Insurance and How It Helps You

Every year, more cars and drivers travel the roads. This can lead to an increased likelihood of a car accident. The difference between a little bother and major pain can be car insurance. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Every state or province mandates car insurance by law. By not purchasing insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your court costs. State laws typically mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of car insurance, including car rental, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont