Your Insurance Policy Always Working For You

Every year, more automobiles and drivers are on the highways. As this number goes up, the chances of a car wreck will also increase. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. But why is insurance necessary and just how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. It can also pay for lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, such as emergency road service and car rental, can also be purchased. What you pay for auto insurance varies 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, sex and marital status * The place where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Golf Cart Insurance Clermont

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