Extensive Insurance Coverage

There are more drivers hitting the road every year. With the increasing number of vehicles on the road, accidents are going to happen. Car insurance can be the difference between a small setback and a large hassle. How can you decide what insurance you need and how you can buy it? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically mandate standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont