How Does Auto Insurance Work?

There are more cars and drivers on the road every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. But why do you need insurance and exactly how much should you buy? Car accidents can result in a variety of different expenses, which your insurance can pay for based on the insurance policy you own. By not owning insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont

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