Directory Lifestyle

What Automobile Insurance Means to You

There are more cars hitting the road each year. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, it also pays your court costs. State laws typically mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Golf Cart Insurance Clermont