Extensive Insurance Coverage

There are more drivers on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what type of insurance you need and where you should go to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, like car rental, are also available. Golf Cart Insurance Clermont

[Top]