Your Insurance Coverage Always Working For You

The number of cars on the road increases each and every year. As this number goes up, the chances of a car accident will also go up. The difference between a small bother and large pain can be your car insurance. So how can you figure out which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont