Buying Insurance It's Not About The Money

We see more cars on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. State laws usually require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This is required 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. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of car insurance, like emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont