Purchasing Insurance Protection About More Than Money

There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes are going to happen. The difference between a little aggravation and major obstacle can be car insurance. How can you determine what insurance you need and how to purchase it? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, and specific other incidents, such as theft. Every state or province mandates car insurance by law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This 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 personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This type of insurance covers all non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other policies, such as emergency road service, are also available. Golf Cart Insurance Clermont