Different Auto Insurance Policies

You will see more and more cars on the road every year. This can lead to a higher possibility of a collision. The difference between a small aggravation and large pain can be your insurance. But why is insurance important and just how much should you buy? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Your state or province certainly requires some type of auto insurance. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. If this type of coverage is bought, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Other kinds of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont

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