Your Insurance Coverage Always Working For You

Each year, more cars and drivers hit the highways. With countless vehicles on the road, accidents can happen. The difference between a small bother and large pain can be the car insurance you have purchased. So how can you find out what type of car insurance you need and the quantity you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for damages due to personal injury and damage to property for which you are responsible. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the accident. It is sometimes called no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance covers all non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, such as car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont