Your Insurance Coverage Always Working For You

There are more drivers hitting the road each year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why is insurance necessary and just how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your legal fees. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. 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 collision. It is occasionally called no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for an accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Applies if your vehicle 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 purchasing the right amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, such as car rental, are also available. Golf Cart Insurance Clermont