Insurance and You

Every year, more automobiles and drivers hit America's roads. This could lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. State laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance 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 can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. 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. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other kinds of car insurance, including emergency road service and car rental, are also available. Golf Cart Insurance Clermont