Insurance and You

There are more cars on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a minor inconvenience and a large trial. So how do you know what insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Your state or province definitely requires some type of car insurance. By not purchasing insurance, you run the risk of having to pay the total price of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. State laws usually require minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. 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. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some 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, choose the option that best suits you. Golf Cart Insurance Clermont