Insurance and How It Helps You

There are more cars and drivers on the road each year. This can lead to a higher possibility of a car accident. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. How can you determine what type of insurance you require and where you should go to buy it? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or your passengers, and specific other situations, such as burglary. Every state and province requires automobile insurance by law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It also covers your legal fees if you are sued. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. 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. State law usually 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. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont