Your Car Insurance Plan

The number of cars and drivers on the road increases each year. With countless vehicles on the road, accidents can happen. The difference between a little aggravation and major pain can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Other policies, like car rental, are also available. Golf Cart Insurance Clermont