Purchasing Insurance It's Not About The Money

There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents can happen. Car insurance can be the difference between a small inconvenience and a large hassle. So how can you find out what type of car insurance you need and how much to purchase? Auto insurance protects you by paying for damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, plus specific other incidents, such as theft. No matter where you are living, you will need to purchase some variety of auto insurance. Without insurance, you run the risk of having to pay the full price of the harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required 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 wages, replacement of services and funeral expenses. State law typically sets minimum amounts. 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. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without enough insurance coverage. Other types of coverage, such as car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont