Comprehensive Insurance Policies

There are more cars and drivers on the road each year. As this number goes up, the chances of a car collision will also go up. The difference between a small bother and large obstacle can be your car insurance. But why is insurance important and just how much do you need? Car accidents can lead to many different expenses, which can all be paid for based on the insurance policy you own. Without insurance, you risk having to pay the full cost of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. It pays for all insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of car insurance, such as car rental, are also available. Golf Cart Insurance Clermont