Insurance and What It Means To You

There are more cars hitting the road each year. This could lead to an increased likelihood of a collision. Automobile insurance can be the difference between a minor setback and a large hassle. How can you determine what type of insurance you need and where you should go to buy it? Car insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, plus specific other incidents, such as burglary. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, it also pays your legal fees. State laws usually require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This is required 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. It can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for an accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Golf Cart Insurance Clermont

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