Insurance and You

You will see more drivers on the road each year. This could lead to an increased likelihood of a collision. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much should you get? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. By not purchasing insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Golf Cart Insurance Clermont