Extensive Insurance Policies
The number of cars and drivers on the road increases each and every year. With so many vehicles on the road, accidents can happen. Automobile insurance can be the difference between a minor inconvenience and a large hassle. How can you determine what insurance you need and how to purchase it? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This 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. This insurance may also cover lost wages, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, such as car rental, are also available. Golf Cart Insurance Clermont