The Site Ranker

Insurance and What It Means To You

There are more cars and drivers on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are sued, this type of insurance will pay for your legal fees. State laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the collision. It is sometimes referred to as no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for necessary medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the right amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont