Your Insurance Coverage Always Working For You

There are more cars hitting the road every year. With so many vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you own can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. No matter where you live, you will need to purchase some type of car insurance. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: It pays for damages due to bodily injury and damage to property when you are responsible. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, liability insurance will pay for your defense and court costs. Local laws usually require minimum amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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. This insurance can also cover lost earnings, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a collision. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the proper amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit 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 from those drivers. Other kinds of car insurance, including car rental, can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont

Comments Off