Car Insurance Basics

Every year, more cars and drivers travel the highways. With the increasing number of vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and how much to buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance will pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. It can also cover lost earnings, service replacement and funeral expenses. 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. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont