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What is Car Insurance?

The amount of cars on the road increases each year. This could lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the auto insurance you have can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. It can also cover lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont

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