Your Insurance Policy Always Working For You
There are more cars hitting the road each year. With countless vehicles on the road, accidents will happen. Automobile insurance can make the difference between a small setback and a large trial. How can you decide what insurance you need and how you can buy it? Car accidents can result in a variety of different expenses, which your insurance can pay for based on the type of coverage you own. No matter where you are living, you are required to purchase some variety of auto insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, it also pays your legal fees. State laws usually mandate minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the collision. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. 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: This pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other policies, including car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Golf Cart Insurance Clermont