Why You Need Auto Insurance

We see more and more cars on the road each year. This could lead to a higher possibility of a collision. Car insurance can make the difference between a small setback and a major hassle. How can you determine what type of insurance you require and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of car insurance, including car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont