Different Car Insurance Policies

There are more cars on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a minor inconvenience and a large hassle. So how can you figure out which type of insurance you need and how much to buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Every state and province requires auto insurance by law. Without insurance, you run the risk of having to pay the full cost of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont