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Everything You Need to Know About Automobile Insurance

Every year, more automobiles and drivers travel the highways. This could lead to an increased likelihood of a collision. If you get in a car wreck, the auto insurance you own can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, liability insurance will pay for your court costs. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other policies, like car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, including: *Your selected 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 people have consider car insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont