Filed Under: Uncategorized by admin —Comments Off
The number of cars and drivers on the road increases each year. This can lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a minor setback and a major trial. But why do you need insurance and just how much should you buy? Auto insurance provides you with protection from covering the cost of injury or damage you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from an accidents, and certain other incidents, such as robbery. Every state or province mandates auto insurance by law. Without insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This is required 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont
