Your Insurance Policy Always Working For You

We see more drivers on the road every year. With countless vehicles on the road, accidents will happen. The difference between a little aggravation and major pain can be your car insurance. But why do you need insurance and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This may include fire damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont