What is Auto Insurance?

There are more cars and drivers hitting the road each year. As this number increases, the chances of a car accident will also go up. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your legal fees. Local laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is commonly referred to as no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont