Insurance and What It Means To You

Every year, more automobiles and drivers travel America's roads. As this number increases, the chances of a car wreck will also go up. The difference between a small aggravation and large obstacle can be the car insurance you have purchased. How can you determine what insurance you need and how you can purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. If you are sued, it also pays your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the crash. It is commonly referred to as no-fault coverage. It can also pay for lost earnings, replacement of services and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the proper amount of car insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont