Each year, more drivers travel the highways. With so many vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Car accidents can lead to a variety of different expenses, which your insurance might be able to pay for based on the type of coverage you have purchased. No matter where you live, you are required to buy some type of car insurance. By not owning insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the collision. It is commonly called no-fault coverage. The minimum amount of this insurance is usually set by the state. 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. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured 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: 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 protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont
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