Insurance and What It Means To You

There are more cars and drivers on the road every year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a large hassle. How can you determine what type of insurance you require and where you should go to buy it? Car insurance protects you by covering the cost of damage or injury you inflict on others while driving your car, damage to your car or injury to you or your passengers from an accidents, plus specific other situations, such as theft. Automobile insurance is mandated by state law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It may also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont