Financial Security and Your Insurance Policy

The number of cars and drivers on the road increases each and every year. With countless vehicles on the road, crashes will happen. The difference between a small aggravation and major obstacle can be the car insurance you own. How can you decide what insurance you need and how to purchase it? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Some drivers may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont