Purchasing Insurance Coverage About More Than Money

Every year, more automobiles and drivers are on the roads. With countless vehicles on the road, accidents will happen. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. How can you decide what type of insurance you require and where you should go to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance will pay for your legal fees. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont