Types of Auto Insurance Coverage

You will see more cars on the road each year. As this number increases, the chances of a car wreck will also increase. The difference between a small bother and major pain can be car insurance. But why is insurance required by law and just how much do you need? Required coverage varies by state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for reasonable medical or funeral costs. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the proper amount of car insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont

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