Insurance and You

Every year, more drivers travel the highways. This could lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a small setback and a large hassle. But why do you need insurance and just how much should you purchase? Car crashes can result in many different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance can 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 court costs. Local laws usually require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. Golf Cart Insurance Clermont