Extensive Insurance Coverage

There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a collision. The difference between a small aggravation and large pain can be your insurance. How can you determine what type of insurance you need and how to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. Local laws typically mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased 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 type of policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance covers all non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including car rental, are also available. Golf Cart Insurance Clermont

Comments Off