Everything You Need to Know About Auto Insurance

There are more cars hitting the road each year. This can lead to a higher possibility of a car accident. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why is insurance required by law and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your legal fees if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont