Insurance and How It Helps You

There are more cars and drivers on the road each year. As this number goes up, the chances of a car wreck will also increase. The difference between a little aggravation and major obstacle can be car insurance. How can you determine what type of insurance you need and where you should go to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont