Automobile Insurance Basics

Each year, more drivers travel America's roads. With the increasing number of vehicles on the road, crashes can happen. The difference between a small bother and large pain can be car insurance. But why do you need insurance and just how much should you purchase? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont