The FarReaching Benefits of Your Home Insurance Policy
The amount of cars and drivers on the road increases each year. With countless vehicles on the road, crashes are going to happen. The difference between a small aggravation and major obstacle can be the car insurance you own. But why do you need to own insurance and just how much should you purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are sued, it also pays your legal fees. State laws typically require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont