Purchasing Insurance It's Not About The Money

We see more drivers on the road each year. This could lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Car insurance provides you with protection from paying for damage or injury you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, plus certain other occurrences, such as burglary. No matter where you are living, you will need to purchase some type of car insurance. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your court costs. State laws usually mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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 may also pay for lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. If this type of coverage is bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other types of coverage, including car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you choose * The type of the car you own * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont