Insurance and What It Means To You

The amount of cars on the road increases each year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor setback and a major hassle. How can you determine what insurance you require and how you can buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others. 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, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. If this type of coverage has been bought, the insured person will receive coverage for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont