Insurance and You

Every year, more automobiles and drivers are on the highways. With the increasing number of vehicles on the road, accidents can happen. Car insurance can be the difference between a minor setback and a large hassle. So how do you know what type of car insurance you need and how much to purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Pays for expenses due to personal injury and damage to property for which you are responsible. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. It may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually 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. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont