Why Paying For Auto Insurance is Worth Every Dollar

The amount of cars and drivers on the road increases each year. This could lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a small inconvenience and a major trial. But why do you need to own insurance and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, 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. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. 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. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other policies, like car rental and emergency road service, are also available. Golf Cart Insurance Clermont