Insurance and You

There are more cars on the road every year. This could lead to a higher possibility of a car accident. Automobile insurance can be the difference between a small setback and a large hassle. So how do you know what insurance you need and how much to purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. No matter where you are living, you are required to purchase some type of car insurance. Without insurance, you run the risk of having to pay the total price of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, this type of insurance will pay for your legal fees. State laws typically mandate minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont