Each year, more automobiles and drivers travel the roads. With the increasing number of vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Car accidents can lead to a variety of different expenses, which your insurance might be able to pay for based on the type of coverage you have purchased. No matter where you are living, you will need to buy some variety of car insurance. Without insurance, you risk having to pay the full price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for expenses due to bodily injury and damage to property for which you are responsible. It also covers your legal fees if you are sued. State laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having 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 type of insurance covers you from drivers without sufficient insurance coverage. Other kinds of coverage, like emergency road service, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some people think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont
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