Insurance and What It Means To You

Each year, more cars travel our roads and freeways. With the increasing number of vehicles on the road, crashes are going to happen. The difference between a little aggravation and large pain can be car insurance. How can you determine what insurance you need and how to purchase it? Auto insurance provides you with protection from paying for damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, plus certain other situations, such as robbery. No matter where you live, you will need to buy some variety of car insurance. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for damages due to bodily injury and property damage to others that you are responsible for. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other policies, such as car rental and emergency road service, are also available. Golf Cart Insurance Clermont