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Buying Insurance It's Not About The Money

Each year, more automobiles and drivers travel our roads and freeways. As this number increases, the chances of a car accident will also go up. If you get in a car wreck, 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 buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. It can also cover your legal fees if you are sued. State laws usually require standard amounts of liability insurance, but higher amounts are available and extremely helpful. 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 coverage is available in non-no-fault states; it will pay regardless of who may be responsible. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, including emergency road service, are also available. Golf Cart Insurance Clermont