Insurance and You

Every year, more automobiles and drivers hit the highways. This could lead to an increased likelihood of a collision. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. So how can you find out what type of car insurance you need and the quantity you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Your state or province certainly mandates some type of auto insurance. Without insurance, you risk having to pay the total price of the harm or injury you cause others. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Other types of coverage, like car rental and emergency road service, are also available. Golf Cart Insurance Clermont