Buying Insurance More Than Just Money

Every year, more cars and drivers hit the highways. This could lead to an increased likelihood of a car accident. If you get in a car accident, the auto insurance you own can make a big difference in the experience you have. How can you decide what insurance you require and where you should go to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for expenses due to bodily injury and property damage to others when you are responsible. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This may include hail damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other kinds of car insurance, including emergency road service, are also available. Golf Cart Insurance Clermont


What is Automobile Insurance?

There are more cars and drivers on the road each year. This can lead to a higher possibility of a car accident. Automobile insurance can make the difference between a minor inconvenience and a large trial. But why is insurance important and just how much do you need? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. 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. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the right amount of car 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 in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Quotes Clermont