You will see more and more drivers on the road each year. With countless vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. 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. Your state or province definitely mandates some type of car insurance. Without insurance, you risk having to pay the full cost of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your court costs. Local laws typically mandate minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is required 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. It may also pay for lost earnings, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving without having the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, like emergency road service and car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Golf Cart Insurance Clermont
^