Comprehensive Insurance Policies

There are more cars hitting the road each year. This can lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and major obstacle can be your insurance. So how can you figure out what insurance you need and how much you should buy? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance may also pay for lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, including emergency road service, are also available. Golf Cart Insurance Clermont