Comprehensive Insurance Coverage

Every year, more cars and drivers hit the highways. As this number increases, the chances of a car collision will also go up. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. How can you determine what insurance you require and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was responsible for the collision. It is sometimes referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This 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 in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other policies, such as car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont

Comments Off