Insurance and How It Helps You
Each year, more automobiles and drivers are on the highways. This can lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a minor inconvenience and a major hassle. How can you determine what type of insurance you require and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This is mandated 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. It can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of coverage, including emergency road service and car rental, can also be purchased. Golf Cart Insurance Clermont