What Car Insurance Means to You

Every year, more drivers hit America's roads. With the increasing number of vehicles on the road, crashes will happen. The difference between a small aggravation and large pain can be the car insurance you own. How can you decide what insurance you need and how to purchase it? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you own. By not purchasing insurance, you run the risk of having to pay the total cost of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Golf Cart Insurance Clermont