Your Insurance Coverage Always Working For You

Each year, more automobiles and drivers travel our roads and freeways. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and major obstacle can be the car insurance you have purchased. But why do you need to own insurance and just how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: It pays for damages due to bodily injury and damage to property that you are responsible for. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. 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. It can also cover lost wages, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. If this policy is purchased, the insured person will receive coverage for reasonable medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. Golf Cart Insurance Clermont