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Types of Auto Insurance Coverage

You will see more and more cars on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. But why is insurance necessary and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, it also pays your defense and court costs. State laws usually require minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and weather damage. 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: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, including: *Your selected 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 Don't wait around to buy car insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont