Everything You Need to Know About Automobile Insurance

Every year, more cars and drivers are on the highways. With so many vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. It may also cover lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other types of car insurance, like emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont