What Auto Insurance Means to You

Every year, more automobiles and drivers are on the roads. This could lead to a higher possibility of a collision. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. But why is insurance necessary and just how much should you buy? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or passengers in your car, plus specific other incidents, such as burglary. Every state and province mandates automobile insurance by law. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If this policy is bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like car rental, can also be purchased. Golf Cart Insurance Clermont