Comprehensive Insurance Coverage

The number of drivers on the road increases each and every year. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and major pain can be your car insurance. But why do you need insurance and just how much should you purchase? Insurance requirements vary by state/province, but usually include the following: Liability: It pays for damages due to bodily injury and damage to property that you have caused. It also covers your legal fees if you are sued. State laws usually mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This is mandated 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, such as emergency road service and car rental, are also available. Golf Cart Insurance Clermont