Insurance and You

Every year, more drivers hit America's roads. As this number increases, the chances of a car accident will also increase. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. How can you decide what insurance you need and how you can buy it? Car crashes can lead to a variety of different expenses, which your car insurance can pay for based on the type of insurance you own. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. 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 may also cover lost earnings, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont