Why You Need Auto Insurance

Each year, more automobiles and drivers hit the roads. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and large obstacle can be the car insurance you have purchased. But why is insurance important and just how much should you get? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your court costs. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont