Extensive Insurance Coverage
There are more cars and drivers on the road every year. With the increasing number of vehicles on the road, crashes will happen. Automobile insurance can make the difference between a minor inconvenience and a large hassle. How can you determine what insurance you need and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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 can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Other types of coverage, such as car rental and emergency road service, are also available. Golf Cart Insurance Clermont