Insurance and What It Means To You

There are more drivers hitting the road every year. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. How can you determine what insurance you require and how to buy it? Car accidents can result in a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Making the decision 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 are responsible for will be covered under this type of insurance. If you are sued, this type of insurance can pay for your court costs. Local laws usually require minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If you buy this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont