Insurance and How It Helps You

Each year, more automobiles and drivers travel the roads. This could lead to a higher possibility of a car accident. Automobile insurance can be the difference between a small inconvenience and a major hassle. How can you determine what type of insurance you need and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Other kinds of car insurance, such as car rental, are also available. 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 own * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont